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this post was submitted on 03 Jan 2025
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Well, I've got a schufa GDPR data abstract which contains a lot of positive data as well. How many credit cards at which Bank and so on.
Also if schufa incorrectly adds negative entries to your dataset (e.g. due to two persons with the same name having the same date of birth), good luck getting the data straight.
Or if a debt collector enters an unjustified entry...
You obviously did but come in contact with any negative aspects of schufa while working with it, but these cases definitely exist, just check the results on Google...
Credit cards are - as the name implies - credit. That is, loans.
That's the same as having outstanding debt, and thus negative.
The Schufa isn't perfect, far from it, but don't act like it's the financial Stasi.