Financing without equity - Repayment / Interest

100% as a private person will probably always be impossible, but there are values well above 99% (and well below 80%).

Last year I had 99.36%, since then I have only ordered from Bonprix on invoice (schufarelevant) and changed my two electricity suppliers. Today I stand at 98.4%.

What does that mean now? Maybe that electricity switchers tend to fail more often? Or invoice customers of Bonprix?

That is up to everyone to interpret for themselves. Moves also usually have a rather negative effect (statistically speaking).

For you, self-employment could also be interpreted as "negative." Although I do not have enough data to evaluate that factually and professionally. But the general tone, that self-employment compared to employees entails an increased risk of insolvency, you probably would not want to deny considering the overall picture.

Since I started borrowing money and moving, my score has been rising ;) I signed up there once and always get notified when something changes... but it's rather unexciting.

100% will probably always be impossible as a private person, but there are values well above 99% (and well below 80%).

Last year I had 99.36%, since then I have only ordered from Bonprix on invoice (schufa relevant) and changed my two electricity suppliers. Today I am at 98.4%.

What does that mean now? Maybe that electricity switchers tend to default more? Or invoice customers of Bonprix?

I'll leave that up to everyone to interpret. Moves also tend to have (statistically speaking) a rather negative effect.

For you, self-employment could also be interpreted "negatively." Although I do not have enough data to evaluate that objectively and professionally. But the general tone that self-employment compared to employees carries a higher insolvency risk you probably wouldn’t want to deny considering the overall picture.

Certainly that is self-employment. But many years ago I had 98,x% and then 96,x% (before buying property). In the meantime nothing happened...except higher account balances and more TG accounts (TG hopping). I then unsubscribed from meineschufe and don’t know current values. Whatever...offtopic..

Since I started borrowing money and moving, my score has been going up ;) I signed up there once and always get notified when something changes... but it's rather unexciting.

Then that is the solution to the puzzle :) We did not move and did not borrow any money :)

We are 5 (2 adults, 3 children). We have a minimum income of €6500. Minimum because my husband works shifts and sometimes brings in more. It varies up to 1-2 thousand more. This is the lowest salary set. On average, calculated over the year, it is about €700 more per month. We have calculated expenses of about €6000.

€6000 net as a shift worker? Or how is your salary composed? A small note: for example, my shift allowances were excluded, whether this is usual I cannot say.

Night shift worker for 10 years and child benefit as well as nursing care allowance for our children which must be declared.