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Again, Schufa only really cares about negative data, they're not allowed to use much more than that.
That means, unless you have unpaid bills stacking up or relevant loans on your name, the Schufa knows hardly anything about you.
I've worked in that business. I personally looked at hundreds of datasets and for most people, the Schufa knows only that they exist and where they live.
There's a lot to criticize about these organizations, but the Schufa is by far not as pervasive as some here like to imagine.
Well, I've got a schufa GDPR data abstract which contains a lot of positive data as well. How many credit cards at which Bank and so on.
Also if schufa incorrectly adds negative entries to your dataset (e.g. due to two persons with the same name having the same date of birth), good luck getting the data straight.
Or if a debt collector enters an unjustified entry...
You obviously did but come in contact with any negative aspects of schufa while working with it, but these cases definitely exist, just check the results on Google...
Credit cards are - as the name implies - credit. That is, loans.
That's the same as having outstanding debt, and thus negative.
The Schufa isn't perfect, far from it, but don't act like it's the financial Stasi.