Unreliable and Imbalanced Schufa Credit Scoring in Germany: A Case for Responsible AI
November 28, 2018
This AI incident involving Schufa credit scoring in Germany highlights the importance of trustworthy and fair AI. The scores reportedly privileged older and female consumers, people who changed addresses less frequently, and were unreliable depending on the scoring version. This AI incident maps to the Govern function in HISPI Project Cerebellum Trusted AI Model (TAIM). Ready to help us promote safe and secure AI? JOIN US
- Alleged deployer
- schufa-holding-ag
- Alleged developer
- schufa-holding-ag
- Alleged harmed parties
- young-men-having-credit-scores, people-scored-on-old-scoring-versions, people-changing-addresses-frequently
Source
Data from the AI Incident Database (AIID). Cite this incident: https://incidentdatabase.ai/cite/405
Data source
Incident data is from the AI Incident Database (AIID).
When citing the database as a whole, please use:
McGregor, S. (2021) Preventing Repeated Real World AI Failures by Cataloging Incidents: The AI Incident Database. In Proceedings of the Thirty-Third Annual Conference on Innovative Applications of Artificial Intelligence (IAAI-21). Virtual Conference.
Pre-print on arXiv · Database snapshots & citation guide
We use weekly snapshots of the AIID for stable reference. For the official suggested citation of a specific incident, use the “Cite this incident” link on each incident page.