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Gambling addiction in general: Creditworthiness (Page 2)

Topic created on 28th Nov. 2022 | Page: 2 of 2 | Answers: 17 | Views: 3,184
Falko
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Creditworthiness

29th Nov. 2022, at 04:29 pm CET#11
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Anton257 wrote on 11/29/2022 at 4:23pm: 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

I would suggest that you do a Schufa query. There you will find out exactly what your credit rating is

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Anton257

Creditworthiness

29th Nov. 2022, at 05:14 pm CET#12
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Of course, I did that a long time ago and, as far as I know, it's okay at 98.8%, no negative entries. I'm also much more concerned about the internal score, which is sometimes much more decisive. Since I am with the savings bank and they can see all my transactions over the last few years, I think I never need to make a loan application / construction loan there again. If I were to apply for a loan somewhere else, I assume that they would ask my bank for a credit report + account statements (I don't know how long, theoretically they can say we want the statements from so and so many years ago). Accordingly, I thought that it makes sense to change the house bank, otherwise I am trapped and later only have problems. If I ever need credit, for example, when paying off my siblings I must be creditworthy, after all. If I'm not, I can give myself the bullet...

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gamble1
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Creditworthiness

29th Nov. 2022, at 05:30 pm CET#13
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Anton257 wrote on 29.11.2022 at 17:14: I have of course long since made and that is with 98.8% to my knowledge in order, no negative entries. I am also much more concerned about the in-house score, which is sometimes much more decisive. Since I am with the savings bank and they can see all my transactions over the last few years, I think I never need to make a loan application / construction loan there again. If I would apply for a loan somewhere else, I assume that they would ask my bank for a credit report + account statements (I don't know how long, theoretically they can say we want the statements from so and so many years ago). Accordingly, I thought that it makes sense to change the house bank, otherwise I am trapped and later only have problems. If I ever need credit, for example, when paying off my siblings I must be creditworthy, after all. If I'm not, I can give myself the bullet...

They certainly do not take bank statements from years


Do not worry the also do not look 24/7 on your account even if it may sometimes appear as a gambler so

As long as it is not yet so far let it stay with the bank what to inquire if your account looks again free of play +/- 2 years should go all clear

The banks also know that people can change and also ex-addicts have already again things like Dispo etc... it comes to the bank only on the now with some leeway in the past depends

Apart from that, they also want to earn something and a critical Risk is certainly no one who has gambled years ago but then no single GS transaction has made more good money and the account is not empty on the 01

Edit: Apart from that you want to borrow yes certainly not 1,000,000 what would justify such an awesome check as usual at a house if you Baust you get anyway not the whole capital immediately and with things like car or Rolex can take away the bank yes something

Everything is not as difficult as you think

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Anton257

Creditworthiness

29th Nov. 2022, at 05:47 pm CET#14
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I have also been called and asked about the transactions, which means that they already know that I have gambled. Was then also all good and never came again what. I also spoke with my bank advisor today and addressed the issue of creditworthiness but not the gambling. He said just because of the return debit and the use of the Dispos I would be just on "yellow". He didn't mention anything about the gambling transactions, maybe he didn't remember. He just said I should not worry and the credit rating would get better again. But they tell a lot when the day is long. I can not rely on the fact that he says everything is good and in 5 years they mean "sorry, with the history you get nothing". Since the Risk is simply too high for me and I try it with a change of bank

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gamble1
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Creditworthiness

29th Nov. 2022, at 05:55 pm CET#15
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Anton257 wrote on 29.11.2022 at 17:47: So I've also been called and asked about the transactions, which means they already know that I gambled. Everything was fine after that and never came back. Today I also spoke with my bank advisor and addressed the issue of creditworthiness but not the gambling. He said just because of the return debit and the use of the Dispos I would be just on "yellow". He didn't mention anything about the gambling transactions, maybe he didn't remember. He just said I should not worry and the credit rating would get better again. But they tell a lot when the day is long. I can't rely on him to say everything is fine and in 5 years they'll say "sorry, you won't get anything with this history". The Risk is just too high for me and I try it with a change of bank

Return debits and frequent in the overdraft is a risk for everyone, regardless of whether he has gambled or never had anything to do with it

Oh I think you exaggerate a little if in 5 years the bank really says no you still have your account statements or the online account view at other banks and if there as I said money comes on it and not on 01 is already gone again no chargebacks are why should say no?

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streetworksusi
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Creditworthiness

2nd Dec. 2022, at 09:06 am CET#16
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Hello,

has already been said quite a lot about it, If you have some time no more debits by da gambling, I do not think that you get problems. It is important to ask whether there is a Schufa entry, if you do not know

By the way: I think it's great that you stopped gambling. It certainly wasn't easy for you. I have a lot of respect for you!

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Spielozocker
Visitor

Creditworthiness

17th Jan. 2023, at 11:46 pm CET#17
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I can give you an example of mine, that might help you:

I once wanted to have an overdraft facility. It was not even high, it was about 1.500€ Dispo what every person on earth who goes to work normally gets.

I am of course an extreme gambler for years, my bank statement looks like the bank register from Curacao and Malta.

My salary is suitable and otherwise I have no loans at the house bank.

The lady tells me: My supervisor said that the Dispo cannot be given at the moment, because the account management is not good. If the account management improves, the overdraft facility can be granted."

I knew immediately, of course, that it was because of the transactions in casinos.
So I suppose if you don't gamble for a while it's no problem at all to get any credit. There is no Blacklist etc forever. The statement of the lady confirms what a previous speaker said here: Banks are only cautious about loans when there is an active gambling mood.

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Morpheus

Creditworthiness

20th Jan. 2023, at 02:31 pm CET#18
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" So I suppose if you don't play for a while it's no problem at all to get any credit. There is no blacklisting etc forever. The lady's statement confirms what a previous speaker here said: Banks are cautious about loans only when they are in an active gambling mood "


Loans are still the main business of banks and of central importance. They certainly do not slaughter their own cow ^^


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