OpenSCHUFA – Reverse-engineering the algorithm of the German credit score agency

Re:OpenSCHUFA – Reverse-engineering the algorithm of the Ger... by hdkrgr on Friday February 16, 2018 @07:41AM (#16391896)

Consumer's have a right to get an overview of all their collected data as well as the calculated (category) scores once each year for free. These could essentially serve as input output pairs.

[ Parent | on HN ]

Re:OpenSCHUFA – Reverse-engineering the algorithm of the Ger... by anc84 on Friday February 16, 2018 @09:39AM (#16392584)

I know what the reports contain. And I do not see how you could gather any meaningful insights from it.

[ Parent | on HN ]

Re:OpenSCHUFA – Reverse-engineering the algorithm of the Ger... by jpalomaki on Friday February 16, 2018 @11:26AM (#16393446)

It is very likely that there is relatively simple formula that maps the input data to credit scores.

Given enough inputs and outputs, you can figure out the formula.

[ Parent | on HN ]

Re:OpenSCHUFA – Reverse-engineering the algorithm of the Ger... by anc84 on Tuesday February 20, 2018 @06:18AM (#16419488)

I don't see them collecting enough relevant inputs.

[ Parent | on HN ]

Re:OpenSCHUFA – Reverse-engineering the algorithm of the Ger... by vavoida on Thursday February 22, 2018 @02:37AM (#16435900)

We will see.

[ Parent | on HN ]