Why is my SCHUFA information contradictory?
Hi everyone.
I'm in a more or less of a dilemma here.
For the ones that don't know, SCHUFA is monopolistic credit agency in Germany.
The good news is that my wife is pregnant and now we need to move to a new apartment with one extra room. Luckly, a friend of us is also moving and we simply got in contact with his landlord. We sent the information about our salaries and answered a few general questions and all is well for him. But, the landlord also wants our SCHUFA score.
We weren't worried at all because we don't have any credit cards or any loans and we are very frugal with our money. We really only spend money for our basic necessities and doing our holidays. We don't have any debts; we pay everything in a timely manner.
Then, my SCHUFA-BonitätAuskunft arrived. I look at the first page, which is in this diploma-like format and it says: "We had only positive contractual information at our disposal." (Es liegen uns zum XX.XX.XXXX ausschliesslich positive vertragsinformationen vor.)
"Great!", I thought. Then, I turned to the next pages and I see "Explanatory informations for your certificate" and there it says that I'm a high risk person. Basically, my result is 335, right in the middle (scale from 100 to 600).
We have a high netto salary and it seems this doesn't count for anything. My guess is that they don't have almost no history about me (I'm only living in Germany for 4 years) and since we are not big spenders, basically we are high risk because they don't have data to infer the risk. A few months ago I opened a new bank account on Commerzbank and I guess my SCHUFA score was good enough to open a new bank account, so I don't understand.
How is it possible that in my certificate diploma-like paper says that they have only have positive information about me and then on the explanatory pages say that I'm a high risk person in basically every sector (Banken, Telekommunikation, etc)?
Now we also asked the SCHUFA score only for my wife and let's hope for the best.
Yes, I've been living and working for 4 years in Germany. Yes, I'm employed with a German company so all of my taxes are filled already. I changed jobs 6 months ago, so my probezeit ends now in March. So, in these 4 years, I've been employed by two german companies. I only changed apartments once, when I arrived to Germany I moved from my temporary 6 month apartment to my current apartment. I read the moving a lot also affects the risk (crazy, really). So yes, I also find it very strange.
But, I have one guess. I currently have 4 bank accounts. My old account when I was not married (I still have to close it, no money there actually), my N26 account that I use for travelling abroad only, my Commerzbank account that I use for my current salary and then I'm my name is also on my wife's account. If this is the case for the risk, I find it very stupid. I could have 100 accounts and still pay everything and have not debts or loans. Bank accounts to be used for debit only make no sense to increase the risk.
I thought SCHUFA was a private company that have their
stupidsecret risk algorithm calculator that no one knows. So that's why I thought this doesn't have to do with the Finanzamt or my banks.Thanks for the reply.
I talked to some people and also wrote on Reddit (I really created my first account on Reddit because of schufa, ugh) and it seems that giving only the certificate diploma-like should be enough to my landlord. The more detailed information should be just for me. But, well, let's see how does he respond.