20It follows from Article 8(1) of Directive 2008/48, read in the light of recital 28 thereof, that, prior to the conclusion of a credit agreement, the creditor must assess the consumer’s creditworthiness and that obligation may, where appropriate, include a consultation of the relevant database. In that regard, it must be recalled that the purpose of that obligation, in accordance with recital 26 of that directive, is to make a creditor accountable and to prevent that creditor from granting credit to consumers who are not creditworthy.
Source: EUR-Lex, © European Union, 1998-2026. Reuse authorised under Decision 2011/833/EU.