Financing condominium despite bad Schufa score

Honestly, my score has worsened by 4% after a move. During this time, nothing else has changed for me (no credit inquiries or applications). But maybe it's just the move that played a role here and not the new place of residence.

Moves/address changes definitely have an effect, I have observed that in myself as well. But the place of residence itself and its environment supposedly should not be taken into account. This should also be found on the website in the FAQ.

But the place of residence itself and its surroundings supposedly should not be included.

Due to our special data stock with credit-relevant information, we do not regularly – that is in 99.7 percent of all score calculations – perform geoscoring.

The definition of geoscoring is naturally unclear and allows additional trickery. Also, theoretically, Schufa could purchase data from third-party companies that perform geoscoring and condense it into a new key figure. Schufa could thus continue to claim that "we regularly [..] do not use geoscoring."