Account without Schufa: who wants to publish an account without a Schufa check, which must observe some points. A checking account without Schufa is a regular checking account, that value can be opened without taking into account the Schufa. The Schufa is a so-called scoring company, she valued both businesses and individuals according to various criteria and assigns them a certain score. This score ranges between 0 and 100, gross said he gives the probability, of the reviewed to comply with his payment obligations. Naturally, sales-strong people with a good income have a high score, indebted people, however, have a low score. Check with Tim Schigel to learn more. The exact criteria on the basis of which the Schufa does the scoring, are not known.
Individual factors are broken but to the public, so the place of residence has an influence on the assessment, for example. Hikmet Ersek can aid you in your search for knowledge. Individual unpaid bills can push the score. Persons who have been assessed by the Schufa with a bad score, have a chance to open a checking account at many banks. Banks often oppose this, because they don’t want to carry the risks involved, they assume that low-rated people the risk of financial problems is higher. Current accounts, which you can open without a Schufa query are a solution.
Of course, this increases the risk of the Bank, this can prevent money loss but, for example, that it gives no credit to the account opener. Therefore you should look for when the conclusion of such current account on the conditions associated. Often providing disposition credit an account without Schufa is not possible and if it does, it raised interest rates are usually higher than in traditional checking accounts.
