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Gambling addiction in general: Creditworthiness

Topic created on 28th Nov. 2022 | Page: 1 of 2 | Answers: 17 | Views: 3,258
Anton257

Creditworthiness

28th Nov. 2022, at 04:58 pm CET#1
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Hello Dear GambleJoe Community,

I just want to tell you my story. I'm 30 now and completely stopped all gambling activities half a year ago. Had a lot of online casino bookings especially in the TWO years (bank statements look like sow from that time).
I know that I will never gamble again, even though that is probably told all the time in this forum here.
I would only have one question or that would be my current plan since I don't know any other way to help myself.
I will certainly be burned at my local bank due to all the debits on my checking account and will never be considered creditworthy there again (I assume anyway).
Would it do any good if I looked for a new bank? Can I thus leave my past behind me? If I were to apply for a loan there in say 5 years (building loan for example), would they want to see the old bank statements?
I really don't know what to do. Have a soon long and hard study behind me and see actually only problems in the future, because I'm afraid never to be creditworthy again and that because of such a MÜLL!!!!

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D****l

Creditworthiness

28th Nov. 2022, at 05:55 pm CET#2
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Your credit score is objectively measured not by your bank statements but by 3 factors;

1. Net income
2. Burdens such as rent, cell phones, existing loans, etc.
3.Schufascore

No one is interested in your individual transactions.

It is only important that you don't get a negative Schufa entry, because then points 1-3 become irrelevant.

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gamble1
Icon

Creditworthiness

28th Nov. 2022, at 06:08 pm CET#3
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The beauty of credit is that you can improve it again

If you no longer gamble and your account looks good speaks to a loan even at the house bank nothing against the give only mostly none with an active Zockerlaune

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upola
Legend

Creditworthiness

28th Nov. 2022, at 06:34 pm CET#4
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Why don't you just ask your bank?
Who is supposed to give you binding information here?

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gamble1
Icon

Creditworthiness

28th Nov. 2022, at 06:42 pm CET#5
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upola wrote on 28.11.2022 at 18:34: Why don't you just ask your bank?
Who is supposed to give you a binding information here ?

What should he say ? Yes hello wanted to ask if I f**ked up with you by my gambling or do you still give me a loan ?

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D****l

Creditworthiness

28th Nov. 2022, at 06:52 pm CET#6
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upola wrote on 28.11.2022 at 18:34: Why don't you just ask your bank?
Who is going to give you any authoritative information here?

--- Post was removed because the user was banned ---

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genrix
Top Member

Creditworthiness

29th Nov. 2022, at 01:36 pm CET#7
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Liked this post: Avatar von Mallpall Mallpall

gamble1 wrote on 11/28/2022 at 6:42 pm

What should he say ? Yes hello wanted to ask if I f**ked up with you by my gambling or do you still give me a credit ?

Well, so in general, someone can help here certainly


If I cancel my account and from the new bank no longer have any deposits in OCs, the new bank of the old transactions (in my opinion) should not notice anything

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Stromberg
Legend

Creditworthiness

29th Nov. 2022, at 01:55 pm CET#8
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If you have no negative Schufaeintrag, a normal small Verbrauvher- credit should actually be no problem I would think. On my account were also often payouts from casinos, but no deposits, only psc... My bank consultant has nevertheless contacted me every half year, if I do not need a new car or something else and thus a loan again...

A construction loan... Yes no idea, if you hold your account now 5 years clean and then the appropriate job and especially the appropriate equity, I would now believe I do not necessarily see a problem.
But of course it can be that you get worse conditions or so...
I think you really can't say that in general.
If you need e.g. 600,000 and have 400,000 equity, the bank may not look as critically as if you have 200,000.
But this is just my layman's opinion.
You can't really do more than keep your account clean from now on anyway...

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upola
Legend

Creditworthiness

29th Nov. 2022, at 02:23 pm CET#9
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gamble1 wrote on 11/28/2022 at 6:42 pm

What should he say ? Yes hello wanted to ask if I f**ked up with you by my gambling or do you still give me a credit ?


Is better than if he gets half-baked tips here,

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Anton257

Creditworthiness

29th Nov. 2022, at 04:23 pm CET#10
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Is there anyone here who has ever financed a large sum and had a gambling past?
I just want to find out if this makes you an unreasonable Risk factor for the banks or not

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