Kreditschutzverband, also known as KSV, is a credit bureau that operates in Austria and provides information about creditworthiness and risk management.

Its purpose is to protect the interests of the Austrian business community by ensuring that credit information is accurate and up to date, and by providing reliable credit analysis. KSV maintains a database of credit information on individuals and businesses, including details of their credit history, payment behavior, and other relevant financial data. This information is used by financial institutions, credit agencies, and other organizations to assess the creditworthiness and risk of potential borrowers. In addition to providing credit information, KSV also offers a range of risk management services, including debt collection and credit insurance. Its debt collection services help creditors to recover outstanding debts, while its credit insurance offering helps businesses protect themselves against the risk of default by their customers. KSV is governed by a board of directors, which is responsible for setting its strategy, policies, and operating procedures. The board is made up of representatives from the Austrian business community, including banks, insurance companies, and other financial services providers. Overall, KSV plays a central role in the Austrian financial system, providing essential credit information and risk management services to businesses and individuals. Its reputation for accuracy and reliability has made it a trusted source of information for lenders and investors alike, and its continued success is a testament to its ongoing commitment to excellence.