Deposit and withdrawal methods: Postbank Hammer!! (Page 5)

lorenzo wrote on 06.03.2020 at 20:34: This is simply wrong. A request from a casino, for example, to verify age or address is absolutely neutral,
but worsens my score. Entries in the Schufa have an impact. Maybe not individually, but several
even neutral entries have effects. Bank changes, age inquiries, even the area of residence has an impact on the score, even though the
Effects on the score, although probably absolutely neutral. If you live in a street where defaults are more frequent
Defaults, it will lower your score, even if you have always paid and can not do anything for the others
can. Nevertheless, you are still included.

What the bank considers neutral or not is hidden from you anyway. What sense would it make then,
neutral entries at all? I had a long and detailed talk with someone from Schufa.
My best buddy is the boss of a savings bank

If you really think that everything is as you are told, that the banks don't know anything, or that banks don't include neutral entries in the evaluation, then I'm sure you're right
Entries into the evaluation, he is a bit naive.
But just believe what you want!

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Lucifer88new wrote on 06/03/2020 at 21:04
Dear lorenzo,

you are of course right that inquiries for loans etc. can devalue your scoring. However, this is not the same as a negative Schufa entry

Also, I have not lulled anyone into security or want to minimize this here. Even your place of residence can lower your score, for example if you live in socially weaker areas. This is decided on a case-by-case basis

The exact calculation is not available to the public

My point was the term "negative entry"

What personal experience you have had is a different matter.

Lg

Edit: I have read over your entry. In principle, you have used the same examples and in essence right!

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lorenzo wrote on 06/03/2020 at 21:25

I agree with you, a negative entry is of course the supergau.

Also just wanted to have mentioned that also several "neutral" entries push the score down,
and in principle can decide on a loan or at least the interest rate, as a negative entry.
Even if this is worse in terms of weighting.

I find the term "neutral Schufaeintrag" also misleading, because it persuades non-knowing people that it is
that it is completely irrelevant for scoring or for a bank. It may or may not be. Especially in the case of frequent
neutral entries. I see it on a daily basis. Even the conclusion of a Netfilx contract has had a negative effect on my score
my score, although it was only the info that Netflix queried.

If you have 3 cell phone contracts, 2 accounts, Netflix, Amazon, etc., these are all neutral entries, but in total they depress your score
your score, even if you have always paid. And bad score=problems with loans, housing,
Cell phone contracts, sometimes even change electricity Provider, etc.

So, but now enough of the topic!

LG

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gamble1 wrote on 06.03.2020 at 14:57
I have 3 - 4 accounts at different banks and not a single one has given me a Schufa entry because of the accounts

If they are permanently in the - then you get an entry but not if you have your amounts transacted through it

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lorenzo wrote on 06/03/2020 at 21:48
One more thing:


Please still hold back with your false statements.
As soon as you have a Dispo, it will be noted in the Schufa, in full. It is almost equivalent
equated to a loan. Whether you are in the plus
or use the overdraft facility, the Schufa does not care.
You could also withdraw everything in one go and spend it. Therefore, this Dispo is always calculated in full
Amount, and flows accordingly into the score. With millions of bank customers, it would simply be impossible to know at all times whether
whether someone is in the plus or minus. That is why the maximum is always taken.

And whether you are permanently in the minus or in the plus, a bank is only interested in loans, because then it is determined that you are
with your money, and with the new loan you have an additional burden. This can be a reason for
Rejection or increased interest rate. CAN
You get but no entry, if you are always in the minus, that is total nonsense. Explanation see above!

Exception is what Spectral wrote: if you have so-called Schufafreie accounts.
These are then usually credit accounts, or accounts with minimal Dispo, in order to keep the repayment Risk low
to keep low.

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lorenzo wrote on 07/03/2020 at 01:21 PM
Then maybe better express. You write that if nan is permanently in the negative, you get an entry, and that is just wrong. If you have a Dispo, you have an entry is the correct sentence. Otherwise everyone who has an overdraft, but only in the plus, thinks he has none. The permanently in the minus has zero to do with it.

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