Why the Schufa does exist and what it is good for whom. The Schufa when a customer requests a credit, opened an account, or completes a cell phone contract, be reported his personal data to Schufa and also subsequently stored. The data is transferred with the consent of the customer, who must sign the so-called Schufaklausel in the Treaty. The Schufa is an amalgamation of several financial firms, such as banks and savings banks. She was launched in life, so that creditors or suppliers of Finanzdienstlesitungen to protect themselves against possible defaults. Now many millions records are stored at Schufa, which shed light on the so-called creditworthiness of the consumer.

Partner connected to the Schufa may cause entries. These include among others financial company, mail-order companies, debt collection companies, but also telecommunications companies. Basically every account or borrowing also is recorded in the Schufa, where is this on the customers still not detrimental, as long as he meets his payment obligations within the prescribed period. Complicated it becomes, when it comes to inconsistencies with regard to the payment of a consumer with the Schufa, because thus it can happen that corresponding consumer can open a new account, can claim no loans, can complete a mobile contract, and in the worst case the apartment search is difficult. Now, many people who have a so-called negative Schufa entry, the opinion that they can open a checking account are checking account despite negative Schufaeintrage. For this reason it often happens that consumers cash pay their monthly running costs, which is however certainly associated with high costs, because a cash deposit at the bank counter is expensive. But every consumer can a checking account despite negative Schufaeintrage get with a checking account without Schufa.

This term but it is for many people a little misleading, because Basically there is no such an account, each account verifies a customer’s creditworthiness and is only a claim on an account, if the Schufaabfrage is positive. If the consumer so learns of Giro accounts without Schufa, then is it always a so-called credit account, which is also on a prepaid basis, similar to how it knows the consumer from a prepaid cell phone. Thus, there is no checking account without Schufa, but in the best case a checking account despite Schufa. Basically, every consumer can use a checking account despite Schufa, and this of course only applies if the corresponding bank also offers such an account. First and foremost should the customer be honest from the outset and the Bank also put in knowledge that he wants to like to open a deposit account for the Bank to be fully informed and not only learns query by any payment inconsistencies with the Schufa. Then opens a checking account, which can pull over the customer at any time but for the cashless payment transactions is still suitable. The Bank provides no debit card, then the account holder Gets a traditional debit card, so that he can make cash withdrawals at bank-owned ATMs and print account statements. A “real” credit card with credit limit offered by any bank with negative credit. Manage affected with a prepaid can get credit card with bad credit. Also the online management is possible at most banks. Only the stress of loan or loans of disposition is absolutely impossible for the relevant account holder.