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this post was submitted on 03 Jan 2025
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Schufa basically blackmails you into giving you their data: Not giving them access to ALL your data WILL result in the lowest possible score for your business, which has huge implications in regards to any credit.
No, they don't. Businesses just send their negative data to the Schufa.
I worked in that area for years, and unless you're actively trying to tank your score, the Schufa is almost useless for all sides, and maybe businesses only use them to filter the really bad cases.
You have not read my comment at all, have you? Not giving them your business data reaults in the lowest score. That's blackmail.
You have no business data unless you're a business.
Are you a business? Thought so.
My brother in law has a business. That's how I know this. But you're just disagreeing out of principle, so you're immune to facts. Do go on and talk out of your ass and be the ignorant person you strive to be.
...and you don't see how that's exactly what I wrote above? It's a business, not a person. That's a difference. Data protection does not refer to businesses.
Again, I worked in the industry. I know how it works. But sure, 5 years in the engine room of risk management is obviously less informative than having a brother in law!
Sure, it's totally OK that a business like SchuFa has your data and if you happen to have a business it's totally ok for them to blackmail you. It's also totally ok that they don't notify you if any business reports something negative to them about you. Schufa is totally ok and not shitty and predatory at all.
Again, it's a business. Not a person.
Have you ever heard about the concept of a Handelsregister? Every business with address, owner, and financial statements is publicly available. For a person that would be atrocious, for a business, it's standard practice.
Seriously, do you really think a business and a person are the same?
No I do not. A company can tell Schufa something bad about any private person. Without their knowledge.
I read it. And I still don't see how wanting accountability from a business is that bad. Businesses have no data protection for a reason. You can't shame a business into suicide or blackmail it. So what exactly has a business to hide?