If a major purchase is pending, the credit bureau plays an important role. Boring when a bad score shatters the dream of a car or a house. FOCUS Online shows what tricks you can use to improve your credit score – legally. Perhaps a completely different approach would be interesting again: who actually says that what the credit bureau is doing is legal? It`s a private company that gets requests from many places and my deepest financial data is shared when someone asks for it. And with which rental apartment, with which mobile phone contract is not at first the prerequisite that you have to accept a credit bureau information? Could we not employ the credit bureau or anyone else in a legal action, related to the fact that an action that is not transparent with the financial data of millions of consumers is not legal at all? So it`s kind of a precedent. Something like what Maximilian Schrems did against Facebook. If someone starts such a process, I immediately give 100 euros and something per month of myself. There are guaranteed! Hello, I have already obtained a positive schufa rating and I plan to apply for a loan in my bank. I`m just scared if I applied for a loan, will it automatically affect my score because I have an existing loan even though I paid it on time? Yes, but we only announced it briefly: netzpolitik.org/2018/openschufa-wie-die-schufa-zu-ihren-bewertungen-kommt/ Ahoy Ingo What an unwanted page (www.openschufa.de)! If you call them, you only get the following bankruptcy declaration: “You need JavaScript enabled to run this application.” YOU say it`s legal, because you sign corresponding clauses in your contracts. The question of legality would be more global: do we want to allow a company that declares that its own hocus-pocus is only effective under the condition of secrecy to rip off such a disruptive role in society? The answer is clear.
Theoretically, politicians could declare such a business model illegal because of its potential to harm the general public. So, theoretically. Unfortunately, the policy is not available in your country. Because of the GroKo. Too bad, actually. Hi, I took a credit card loan of €2000. In fact, I have been unemployed for 6 months. I assume to pay back the money by the end of March 2020. Due to financial problems, I did not do it. Now the bank proceeds to close the credit card agreement.
Now they are trying to recover the debt from a collection agency. I would like to know what option is available to have a good schufa rating. I am willing to pay the full amount. But I want to keep a good schufa score. Is there any news about this project yet? What happened to the data now? The site itself (www.openschufa.de) is no longer accessible? Since the Tagesschau is better with your article: www.tagesschau.de/inland/schufa-101.html (in my opinion) To do this, they appeal to data donation: all people can already apply for their Schufa score for free under selbstauskunft.net/schufa and then give the data – which the credit bureau usually sends by post – to the project. Even without a donation to the project, self-disclosure can of course be requested. Those caught in debt traps are treated like criminals. There are hardly any legal and serious ways to free oneself from it. Here all doors are closed.
The credit bureau is one of those companies whose approach is only very vaguely known to the general population. One of the well-known facts is that the company with the beautiful name Schutzgemeinschaft für allgemeine Kreditabsicherung as Schufa Holding AG stores consumer data and also transmits this data to the interrogation agencies. For consumers, however, the question arises as to what rights exist in connection with an illegal collection of data from Schufa and whether Schufa Holding AG works in compliance with the GDPR. You can order a registration from the company directly on the following website. It costs only 24,95€. (click on credit information on the home page): www.meineschufa.de/. Some Postbank centers offer to print one for you on site for the same fee. No need to be a Postbank customer. This report is sometimes the preferred report of banks or owners, as it contains more details. What impact will this have on my schufa score? And can I get a personal loan from a bank.
? Why is the selbstauskunft.net page mentioned here? This is a third-party provider that transmits the data received to Schufa and can pay for this service, depending on the scope. Why not look at the PDF that the credit bureau provides for this purpose? www.meineschufa.de/index.php?site=11_3_1 Do you want to conclude a mobile phone contract? Buying a car? Where to rent an apartment? A bad credit bureau score can thwart your plans. However, the credit agency does not say exactly what data is responsible for it and how the value is calculated exactly. I sometimes wonder that when the Arvato API comes back, you can`t leave the genre field blank. Saturday, 15.08.2015 | 6:45 a.m| Hannes Hutmacher| 1 Answer It is not known how the credit bureau calculates its score – how it weights, for example, credit card information, loans repaid or defaults. In 2014, the Federal Court of Justice (Az. VI ZR 156/13), that the credit agency is not required to disclose its method of calculation. This seems very unfair because they had sent all the other letters to Switzerland. Should we contact the local office in Leipzig to ask them to have this removed? Click here to order the free copy of the SCHUFA data – the overview of the data we store about you.