arvato infoscore is a subsidiary of arvato AG, the globally networked media and communications service provider of Bertelsmann AG, where it is part of the arvato services division. The company is the result of a merger in 2005 between the arvato companies, AZ Direct and BFS finance, and the InFoScore Group. This corporate group has approx. 1,900 employees. Its head office is in Baden-Baden, Germany, and it is active in Germany, Austria, Switzerland and Hungary. Its service portfolio includes address management, credit standard checks, marketing and risk scoring, collection as well as the purchase of accounts receivable/factoring.