There are many misconceptions about Schufa.
The most common ones are discussed below.
What's happened Schufa and we discussed how to order it in this article.
🎈MYTH: It is better not to ask for your "Shufu" once again.
🎁TRUE: Many people in Germany know that once a year you can apply for free personal data. Many also suspect that such a request is detrimental to the rankings. This is not true. Only records such as non-payments or multiple credit requests in a short time are noticeably degraded by a credit score.
🎈MYTH: It is beneficial to use the services of companies that “provide loans without Schufa»
🎁TRUE: Here we are talking about companies engaged in fraudulent activities. The firm cannot distribute money left and right. The client is “promoted” to higher credit conditions, to deposit collateral, to an adventure where there is a risk of not seeing his money at all.
🎈MYTH: The Shuf provides reliable information.
🎁TRUE: The credit agency is not an official or government body that is obliged to check the data for accuracy; it simply does not have the means to investigate facts about which it has no knowledge. Rather, it looks like a collection point for information about residents, which is provided upon request to credit institutions. Moreover, the agency itself depends on the same credit institutions and public directories to the extent that the latter provide reliable and accurate information about citizens. Therefore, it is possible that a credit rating agency's credit report may contain erroneous data based on incorrect information received from the reporting entity. The good news is that the information in the database is incorrect Schufa You can delete it if you send them a deletion request🖊
🎈MYTH: Getting into the data bank Schufa – this is a ruined life for many years.
🎁TRUE: In fact, Schufa there is no access to personal information of citizens, and, accordingly, the following information cannot be transferred to creditors: profession, marital status, citizenship, nationality, religion, membership, amount of income, existing assets and savings. Primary Responsibility Schufa – compliance with the law on non-disclosure of private data.
❗❗❗It is IMPORTANT to check your Schufa for erroneous information!
Once a year, by law, you can get your Schufa free on the agency website:
www.meineschufa.de
Video instruction - how for free request Schufa.
