Financing condominium despite bad Schufa score

Ok. I tried it with Bonify and received the value 933 (average creditworthiness). Negative entries are also not included there. Everything is very mysterious. I hope the financing will still work out. However, I will simultaneously start reducing my accounts and continue to monitor the value.

I wouldn't worry too much about that. My father-in-law would have gotten the money despite a worse score.

I claim that the score will play no role in the overall constellation if it is not really justified by hard factors. Just go to another financing broker or even to the local bank.

Banks do not necessarily work with the score value, there are even some that now work completely without [Schufa]. These are mostly the ones with the red question mark or the blue faction of the regional banks.

I had a low score for a while even though I only had one small loan that was paid off normally. I have a good income and no debts. Otherwise, just a checking account, savings account, and credit card, no mobile phone contract or anything else. After the breakup, I wanted to open my own checking account at my main bank, and it was rejected in the first step! I then requested a Schufa report, and it was really bad. The scores were between 60 and 80, I believe. I then called and asked why that was, because except for one no longer existing credit card, there was nothing incorrect on it. The employee said the poor score was due to the many moves and that I apparently now live in an area where many people don’t pay back their debts. That didn’t even have anything directly to do with me. After a personal review by a caseworker, I was fortunately able to get a checking account after all. However, they did not want to set up an overdraft facility for me.

Doesn't Schufa claim that Geoscoring is not used? Hmm.