4 ms·

FYI in case you speak German, this project is currently all over the news in Germany, causing quite a stir. TV http://www.tagesschau.de/inland/schufa-101.html

FYI in case you speak German, this project is currently all over the news in Germany, causing quite a stir. TV http://www.tagesschau.de/inland/schufa-101.html http://www.tagesschau.de/inland/schufa-101.html https://www1.wdr.de/mediathek/video/sendungen/wdr-aktuell/video-schufa-score-transparent-machen--100.html https://www1.wdr.de/mediathek/video/sendungen/wdr-aktuell/vi... https://www.n-tv.de/ratgeber/Aktivisten-wollen-Schufa-Code-knacken-article20288673.html https://www.n-tv.de/ratgeber/Aktivisten-wollen-Schufa-Code-k... Online https://www.wired.de/collection/life/openschufa-macht-bonitaets-scoring-ueberpruefbar https://www.wired.de/collection/life/openschufa-macht-bonita... http://www.spiegel.de/wirtschaft/service/kreditwuerdigkeit-wie-die-schufa-formel-zu-knacken-ist-a-1193522.html http://www.spiegel.de/wirtschaft/service/kreditwuerdigkeit-w... https://www.golem.de/news/openschufa-reverse-engineering-der-schufa-geplant-1802-132791.html https://www.golem.de/news/openschufa-reverse-engineering-der... https://www.heise.de/newsticker/meldung/OpenSCHUFA-Projekt-will-Scoring-Methoden-rekonstruieren-3970425.html https://www.heise.de/newsticker/meldung/OpenSCHUFA-Projekt-w... https://www.gruenderszene.de/allgemein/openschufa-algorithmus-bonitaet-auskunft https://www.gruenderszene.de/allgemein/openschufa-algorithmu... https://www.futurezone.de/netzpolitik/article213448091/OpenSCHUFA-will-mit-Crowdfunding-die-Schufa-Formel-knacken.html https://www.futurezone.de/netzpolitik/article213448091/OpenS... https://netzpolitik.org/2018/jetzt-mitmachen-wir-knacken-die-schufa/ https://netzpolitik.org/2018/jetzt-mitmachen-wir-knacken-die... most motivational video, ever https://youtu.be/HBsD8BdXSCY https://youtu.be/HBsD8BdXSCY 2 current related article worth reading http://www.tagesspiegel.de/wirtschaft/regierungsberater-gerd-gigerenzer-wir-sind-laengst-auf-dem-weg-in-den-ueberwachungsstaat/20950328-all.html http://www.tagesspiegel.de/wirtschaft/regierungsberater-gerd... http://www.faz.net/aktuell/politik/inland/dass-wir-ueberwacht-werden-ist-klar-aber-von-wem-und-wie-eine-spurensuche-15445555.html http://www.faz.net/aktuell/politik/inland/dass-wir-ueberwach... (disclaimer I'm part of the team)

chrisper 9y ago
Did you also cite the part where you are being financially supported by Bertelsmann Stiftung who have a competing product (Arvato Infoscore)? Though I am not sure if it is as bad as they claim...
- vavoida 9y ago
  a. is disclosed by our partner algorithmwatch b. the funding is not for this project c. see https://twitter.com/OpenSchufa/status/964408780162150400 https://twitter.com/OpenSchufa/status/964408780162150400 "Die SCHUFA ist die bekannteste Auskunftei & Marktführer; wir fordern in unserer Projektbeschreibung u.a.: "Die SCHUFA & andere Auskunfteien müssen öffentlich & permanent darlegen, wie ihr Score funktioniert bzw. welche Modelle/Annahmen ihm zu Grunde liegen (Nachvollziehbarkeit)" d. read https://okfn.de/blog/2018/02/openschufa-english/#update https://okfn.de/blog/2018/02/openschufa-english/#update (we already requesting infoscore Consumer Data GmbH data)
  - akie 9y ago
    For everyone not fluent in German: c. "The SCHUFA is the best known credit reporter & market leader. In our project description we ask: The SCHUFA & other credit bureaus must publicly and permanently explain how their score works and which models / assumptions are based on it (traceability)"
- bgmarkman 9y ago
  Infoscore is a <censored> company. They have a debt collection and a rating arm which are officially independent. They also have a legal arm (Haas & Partner) in the same building (again "independent"), who collect legal fees on top of Infoscore's debt collection fees -- a practice that has been deemed illegal by several federal courts. The legal arm is largely automated, so the "lawyer" fees are questionable.
chopin 9y ago
Good luck convincing Germans to surrender their data. I would be very surprised seeing this working out. Also, you will get data from a very skewed demographic. AFAIR there is an upcoming EU law which requires (at least some) transparency on how scores are evaluated, in expectation of algorithms making life changing decisions. We'll see how that's panning out. EDIT: to clarify, I'd love to see this working out. But I never would give data of this kind to an unknown organization.
- vavoida 9y ago
  We are trying to convince them. Here are the live stats from the requests https://selbstauskunft.net/statistiken https://selbstauskunft.net/statistiken Skewed demographics are on the radar (we know we are in bubble). EU regulation 2016/679 GDPR with May 25th is also on the radar. For more related projects see http://mydata.org http://mydata.org

chrisper 9y ago

Did you also cite the part where you are being financially supported by Bertelsmann Stiftung who have a competing product (Arvato Infoscore)? Though I am not sure if it is as bad as they claim...

vavoida 9y ago
a. is disclosed by our partner algorithmwatch b. the funding is not for this project c. see https://twitter.com/OpenSchufa/status/964408780162150400 https://twitter.com/OpenSchufa/status/964408780162150400 "Die SCHUFA ist die bekannteste Auskunftei & Marktführer; wir fordern in unserer Projektbeschreibung u.a.: "Die SCHUFA & andere Auskunfteien müssen öffentlich & permanent darlegen, wie ihr Score funktioniert bzw. welche Modelle/Annahmen ihm zu Grunde liegen (Nachvollziehbarkeit)" d. read https://okfn.de/blog/2018/02/openschufa-english/#update https://okfn.de/blog/2018/02/openschufa-english/#update (we already requesting infoscore Consumer Data GmbH data)
- akie 9y ago
  For everyone not fluent in German: c. "The SCHUFA is the best known credit reporter & market leader. In our project description we ask: The SCHUFA & other credit bureaus must publicly and permanently explain how their score works and which models / assumptions are based on it (traceability)"
bgmarkman 9y ago
Infoscore is a <censored> company. They have a debt collection and a rating arm which are officially independent. They also have a legal arm (Haas & Partner) in the same building (again "independent"), who collect legal fees on top of Infoscore's debt collection fees -- a practice that has been deemed illegal by several federal courts. The legal arm is largely automated, so the "lawyer" fees are questionable.

chopin 9y ago

Good luck convincing Germans to surrender their data. I would be very surprised seeing this working out. Also, you will get data from a very skewed demographic. AFAIR there is an upcoming EU law which requires (at least some) transparency on how scores are evaluated, in expectation of algorithms making life changing decisions. We'll see how that's panning out. EDIT: to clarify, I'd love to see this working out. But I never would give data of this kind to an unknown organization.

vavoida 9y ago
We are trying to convince them. Here are the live stats from the requests https://selbstauskunft.net/statistiken https://selbstauskunft.net/statistiken Skewed demographics are on the radar (we know we are in bubble). EU regulation 2016/679 GDPR with May 25th is also on the radar. For more related projects see http://mydata.org http://mydata.org