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Other topics related to... : Kedit and credit cards despite negative Schufa ??? When are entries deleted ?

Topic created on 26th Dec. 2019 | Page: 1 of 2 | Answers: 10 | Views: 4,506
Anonym

Kedit and credit cards despite negative Schufa ??? When are entries deleted ?

26th Dec. 2019, at 07:47 pm CET#1
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I read everywhere that you get practically cheap loans thrown everywhere.
Unfortunately, I have a negative Schufa (but NO insolvency).
No matter where I apply for money (NOT TO BUY, but for rescheduling existing loans, or bill payment), I just get nothing more.

I am self-employed, which of course makes it more difficult. But even a credit card with high interest rates of 15% I no longer get.

Now I even applied for a loan and credit card at banks based in Malta (Novumbank) (since they advertise with a credit free of credit history), but even they seem to do a credit history check and refuse me.
I currently have a few expensive loans to pay off, which I do, but I would like to reschedule, but unfortunately it doesn't work anywhere.

Any tips from you guys ?
(Please no Auxmoney etc. I know, have exactly there already nen old loan, unfortunately also much too expensive)

The second question: If one has paid off all loans and is Debt-free, when are all entries deleted and one is creditworthy again?

Thank you.



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Anonym

Kedit and credit cards despite negative Schufa ??? When are entries deleted ?

26th Dec. 2019, at 08:24 pm CET#2
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Phew, difficult situation
With negative Schufa you usually get only bad conditions, which worsen the situation
The best options, you will have heard many times. Minimize expenses and pay off faster that your monthly margin improves in the medium term
Possibly, depending on the situation, you can negotiate with your creditors to pay off the loans faster
New loans bring mmn in your situation nothing. Sorry for the negative answer, I myself have never been in such a situation

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Anonym

Kedit and credit cards despite negative Schufa ??? When are entries deleted ?

26th Dec. 2019, at 08:32 pm CET#3
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Schufa becomes neutral again after the Schufa event is done and then it takes a few more years. I think 6, but you can google that if necessary. Besides the Schifa there are also other credit agencies, which are sometimes requested by the banks
That does not mean in the end that you will get good conditions, because your score is estimated for a while not ao prall will be, is also still income dependent

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illmnzi
Rookie

Kedit and credit cards despite negative Schufa ??? When are entries deleted ?

26th Dec. 2019, at 08:45 pm CET#4
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Liked this post: Anonym, Avatar von MarcT22186 MarcT22186
Going to a Debt counselor would be more efficient. Especially since no one knows the details of your financial situation.

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mk5jas
Amateur

Kedit and credit cards despite negative Schufa ??? When are entries deleted ?

26th Dec. 2019, at 09:03 pm CET#5
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Every company that lends you money makes a Schufa query, even if it is gladly advertised that they do not do it. You can get away from this idea

What about credit from private? Since there are also people who offer something..

Ultimately, I would do something like this but only if I expect money in the near future, be it through inheritance or other sources of money that open up.

In the long term with these overpriced credit it will only get worse and ends anyway in insolvency

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Begbie
Elite

Kedit and credit cards despite negative Schufa ??? When are entries deleted ?

26th Dec. 2019, at 09:06 pm CET#6
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the SIGMA Bank from Lichstein gives up to 7500€.
credit free. but with it you can actually net really reschedule.
or just the small loan providers like Cashper or Vexcash.
all mentioned have but partly bad interest.

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Mo1985
Amateur

Kedit and credit cards despite negative Schufa ??? When are entries deleted ?

27th Dec. 2019, at 08:02 am CET#7
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Von Essen Bank will give you a loan if you earn
earn at least 2200€ net.

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Anonym

Kedit and credit cards despite negative Schufa ??? When are entries deleted ?

27th Dec. 2019, at 10:40 am CET#8
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Thanks first for your helpful comments.

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Maria_Sonntag
Amateur

Kedit and credit cards despite negative Schufa ??? When are entries deleted ?

27th Dec. 2019, at 01:12 pm CET#9
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The entry in Schufa is taken into account for the credit rating for three years. After that, the negative entries remain in Schufa, but are no longer taken into account when assigning the scoring value.

And of course you will get things on credit, if at all, only with a Risk surcharge (you have already determined yourself). And then still as a self-employed person it should be almost an impossibility to get favorable alternatives.

One consideration would be to talk to someone who has been granting you a loan for a longer period of time (which you have of course always serviced 100%) and to talk to him about an increase at reasonable conditions, because he can fall back on his own wealth of experience.

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Ichbins2018
Top Member

Kedit and credit cards despite negative Schufa ??? When are entries deleted ?

27th Dec. 2019, at 07:27 pm CET#10
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Your problem is your gambling -and this alone is a damn good reason to deny you any credit. (Regardless of your self-employment, because in my eyes that's complete nonsense)
And I also believe that I do not lean too far out the window when I claim that all credit institutions / banks have ne glass ball and who still thinks nowadays that he can hide anything, which has casually said ... zero idea!

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