Refinance existing loans with a construction loan

Do inquiries affect the score? Or only applications?

Requests affect the score? Or only applications?

As far as I know, the request was therefore initiated a long time ago. It grew out of the direct banks that were mushrooming at the time and the steeply increasing requests associated with them. Thus, condition inquiries without impact.

I would see it the same way. I have Schufa online for some time now and every time, for example, Klarna has made an inquiry, nothing has happened to the score.

Who seriously cares about the score?? If you’re not just wasting money on consumer loans and always "need" new loans, you couldn’t care less about what the place "rates".

The score determines whether a bank lends you money or not. At least, that's how I understand it.

Where SCHUFA is harmless in this, CreditReform, Klarna, etc. are worse. If you have entries like reminders, etc. with these service providers, you can't even pay online with an EC card.