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Schufa information shall be as expensive?

Schufa is obliged to provide annually to each consumer to request a free information. This statutory scheme on 1 April 2010 entered into force.



Previously asked the credit reference agency for information € 7.80. The force of the new law brings it no longer Schufa monetary income is a like before. But anyone want to score gains when it comes maximum profits. Belongs the credit reference agency because in each case one of them.

So thoughtful Schufa gurus, how can we make up the deficiency? If you think a serious and malicious, which finds solutions. to




The tabloid follow now eyeing the credit reference agency to put out the future information with a price of 18.50 euros. So more than doubled. If already too long, it really takes. Finally, it must be worth it.





There
one difference anyway, even one serious. Credit reports is not the same Schufa information! How so? It's simple: The Schufa issued two different information.

If the consumer requests a self-report will contain this information only to the BASE value, which is generally bland and for the consumer as good as worthless.

If the partner of Schufa, such as banks ask for, bank above the pertinent information, to maybe catch up with the credit applied for a loan, then, the credit reference agency is a completely different Information! This information contains a so-called Scor-(value), which is between 0 and 100. Where the value 100 of the dream value (probably not the consumer) is.



For in the Scor-value data are incorporated, such as, ability to pay / payment behavior, credit and and and and.
fact is, the credit reference agency granted for two of the same questions, different information, one for the (bloody stupid idiots and minors and consumers) and another for reputable banks and credit institutions.



Consumer advocates criticize this practice for a long time! But who are already consumer advocates?



came According to the AFP news agency last year in the study commissioned by the Federal Consumer Protection Ministry to the conclusion that the stored Schufa data and the data from other agencies are wrong too often.


Long live freedom and the credit reference agency! Next to impossible new data / actions!