Construction financing despite a very bad Schufa score

You can also get a daily updated free report, well not entirely free. I think a lifetime access costs a one-time fee of 19 euros. I just checked again, 96.72%. I’m wondering if my 20-year-old Barclaycard and the Ikea Family credit limit have any influence on the score. Credit was once a positive attribute back when I was training at the bank. No idea if that has changed now. The mortgage condition inquiries are also all already listed, by the way. A mobile phone contract, otherwise nothing. I used to move often but have been settled in one place for 7 years now. I wonder if 20-year-old address changes still contribute anything? Well, 96% are definitely not particularly good.
That would explain why Ing-Diba doesn’t want to give me an overdraft. Allegedly, you automatically get one equal to 3 salaries? I have 0 euros overdraft. According to Ing-Diba, I would only get it if my husband’s salary account is moved to Ing-Diba. I only wanted 200-300 euros, just for safety in case an unexpected direct debit comes through. But they throw mortgage loans at me... and I have multiple times that amount in credit on my securities account and daily allowance account. Whoever can understand that :O

Well, 96% are definitely not particularly good.

From when is it considered good, if already 96% is not good?

Unfortunately, lifelong access is no longer available. It only exists as an annual subscription, and that is not exactly cheap. I once got the 100-day free trial from mein-Schufa.

Edit: "good" is definitely a matter of interpretation. I guess from about 98%?

98 or 99% I believe.

If you believe the tables, over 97.5%... so 98% is about right. Wow, almost 4 euros monthly is pretty steep, I’ve been lucky then. I set it up a few years ago because I wanted to know what was in there. For example, student loans - none of them are included. Since I had them deferred for a long time, my score would otherwise be totally low...

I have moved 3 times so far, the 1st registered address (since I turned 18) was in 2012, the 1st move was summer 2015, the 2nd move was December 2016 But the score was significantly worse before.