Topic created on 20th Apr. 2019 | Page: 7 of 10 | Answers: 97 | Views: 37,197
Anonym
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Volksbank account cancellation
26th Apr. 2019, at 10:00 pm CEST#61
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In this regard, I have a question regarding the Schufa score:
What happens if you have a really, really bad Schufa score due to returned direct debits, loan installments not paid on time and cancellation of several loans by the bank for non-payment and forwarding to a collection agency?
If one has then really paid off all debts and no more loans are open or overdue; does the Schufa score then rise again upwards, so one is then at some point creditworthy again ?
If so, in what time, or after how many years ?
Everything here but WITHOUT private insolvency !!!
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S****8
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Volksbank account cancellation
26th Apr. 2019, at 10:05 pm CEST#62
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So the Schufa score increases per quarter . Every three months it is recalculated !
Once had an entry for 1300 € . Was then paid and my score at 47% ...so absolutely not creditworthy !!!!
After c.a. three years when the entry was deleted it went up then per quarter so about 10 points ...
important is that also inquiries, moves, etc. there run with purely ...
Of course you become creditworthy again ...so from 88 percent banks are usually ready to give you a loan!
It must also be said that once a year the Schufa self-disclosure is free of charge. You can download the form directly from Schufa, print it out, fill it out, send it off --- one week later the self-disclosure will be in your mailbox.
Sweep88 wrote on 04/26/2019 at 22:05: So the Schufa score increases per quarter . Every three months the is recalculated !
Had once an entry for 1300 € . Was then paid and my score at 47% ...so absolutely not creditworthy !!!!
After c.a. three years when the entry was deleted it went up then per quarter so about 10 points ...
important is that also inquiries, moves, etc. there run with purely ...
Of course you become creditworthy again ...so from 88 percent banks are usually ready to give you a loan!
means so if I never had credit, dispo Debt or ä I would have to have a score of 100? ... so no worry for the bank to call me and ask stupid questions...
ZuIR4m wrote on 04/26/2019 at 10:23 pm
means so if i have never had credit, overdraft debts or Ea i would have to have a score of 100? ... so no worries for the bank to call me and ask stupid questions...
You can't get a score of 100, none of us can.
A good Schufa score is around 95, a very good credit rating starts at 97.
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Anonym
verified
Former Member
Volksbank account cancellation
27th Apr. 2019, at 10:43 am CEST#66
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Dutch78 wrote on 04/27/2019 10:15 AM
You can't get a score of 100, none of us can.
A good Schufa score is around 95, a very good credit score starts at 97
True, 100 is actually not to achieve, you can still be so clean.
I think it's enough, if you only have a cell phone contract or something like that^^
tby wrote on 04/27/2019 at 10:43 AM
Right, 100 is actually not to reach, there you can still be so clean.
Enough I think, if you have only nen cell phone contract or something like that^^
That could only reach Highlander, if he were the last remaining
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Anonym
Former Member
Volksbank account cancellation
27th Apr. 2019, at 12:03 pm CEST#68
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When will it finally be about people and not about a score ?
And how long do you want to keep the Debt money system alive with credits ?
Do you not notice that this debt money system is at the end and like a patient on the intensive care only around each
Drop of blood ?
Also, many financial experts now assume that about 20% of all Schufa entries have some kind of error. There are also lawyers who have specialized in this.
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Anonym
Former Member
Volksbank account cancellation
27th Apr. 2019, at 02:01 pm CEST#70
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Hi,
i'm in the middle of a private insolvency and it will be a long time before I'm ever creditworthy again. It is possible to end the insolvency early. After 3 years already if one can pay approx. 40 per cent of the insolvency plus the entire procedure costs. Then you can shorten it to 5 years if you pay the costs of the proceedings, or you don't shorten it and are Debt-free after 6 years.
BUT-- even after the completed private insolvency remains 3 years of negative entry in the SCHUFA. Theoretically, I would be creditworthy again after 9 years. Unless one shortens the insolvency, but only very few manage this, because the costs of the proceedings are very high.
I myself am no longer interested in getting into debt. If one has made once in the life Bockmist that is enough. think also that after years still somewhere something of the insolvency will be stored and each bank a credit will reject.
In the future I will not be able to spend more money than I earn, and that's just fine.
Volksbank account cancellation
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What happens if you have a really, really bad Schufa score due to returned direct debits, loan installments not paid on time and cancellation of several loans by the bank for non-payment and forwarding to a collection agency?
If one has then really paid off all debts and no more loans are open or overdue; does the Schufa score then rise again upwards, so one is then at some point creditworthy again ?
If so, in what time, or after how many years ?
Everything here but WITHOUT private insolvency !!!
This post has been translated automatically
Volksbank account cancellation
Nobody has liked this post so far
Once had an entry for 1300 € . Was then paid and my score at 47% ...so absolutely not creditworthy !!!!
After c.a. three years when the entry was deleted it went up then per quarter so about 10 points ...
important is that also inquiries, moves, etc. there run with purely ...
Of course you become creditworthy again ...so from 88 percent banks are usually ready to give you a loan!
This post has been translated automatically
Volksbank account cancellation
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This post has been translated automatically
Volksbank account cancellation
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means so if I never had credit, dispo Debt or ä I would have to have a score of 100? ... so no worry for the bank to call me and ask stupid questions...
This post has been translated automatically
Volksbank account cancellation
Nobody has liked this post so far
You can't get a score of 100, none of us can.
A good Schufa score is around 95, a very good credit rating starts at 97.
This post has been translated automatically
Volksbank account cancellation
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True, 100 is actually not to achieve, you can still be so clean.
I think it's enough, if you only have a cell phone contract or something like that^^
This post has been translated automatically
Volksbank account cancellation
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That could only reach Highlander, if he were the last remaining
This post has been translated automatically
Volksbank account cancellation
Nobody has liked this post so far
When will it finally be about people and not about a score ?
And how long do you want to keep the Debt money system alive with credits ?
Do you not notice that this debt money system is at the end and like a patient on the intensive care only around each
Drop of blood ?
This post has been translated automatically
Volksbank account cancellation
Nobody has liked this post so far
This post has been translated automatically
Volksbank account cancellation
Nobody has liked this post so far
Hi,
i'm in the middle of a private insolvency and it will be a long time before I'm ever creditworthy again. It is possible to end the insolvency early. After 3 years already if one can pay approx. 40 per cent of the insolvency plus the entire procedure costs. Then you can shorten it to 5 years if you pay the costs of the proceedings, or you don't shorten it and are Debt-free after 6 years.
BUT-- even after the completed private insolvency remains 3 years of negative entry in the SCHUFA. Theoretically, I would be creditworthy again after 9 years. Unless one shortens the insolvency, but only very few manage this, because the costs of the proceedings are very high.
I myself am no longer interested in getting into debt. If one has made once in the life Bockmist that is enough. think also that after years still somewhere something of the insolvency will be stored and each bank a credit will reject.
In the future I will not be able to spend more money than I earn, and that's just fine.
This post has been translated automatically