28It follows from Article 8(1) of Directive 2008/48, 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 databases. The purpose of that obligation is also to make a creditor accountable and to prevent that creditor from granting credit to consumers who are not creditworthy (see, to that effect, judgments of 18 December 2014, CA Consumer Finance, C‑449/13, EU:C:2014:2464, paragraph 43; of 6 June 2019, Schyns, C‑58/18, EU:C:2019:467, paragraph 40; and of 5 March 2020, OPR-Finance, C‑679/18, EU:C:2020:167, paragraph 20).
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