Who can request, through its credit rating in doubt, in the Schufa, in accordance with article 15 of the General data protection regulation, once a year, a free self-disclosure. And who is not then his credit Score is satisfactory, some opportunities to improve this.
FOCUS Online has compiled ten points for a better credit:
Schufa-tip # 1: Wrong entries
For the self-disclosure in a registration on the Website of the Schufa is necessary. The free self-disclosure within four weeks by Post. The Instant information online a cost of 29,95 Euro. Incorrect entries, you must correct the credit Bureau of this.
2. Deletion control
The credit Bureau must delete completed to – do entries, such as loans, court or collection proceedings after three years. Important thing to check is whether it really has been deleted: The own credit is improved, when old entries are removed.
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3. Finance
Who has many accounts and credit cards, should not or only rarely separate that use. A manageable number of accounts and cards creates order and a better credit rating.
Schufa-tip no. 4: invoices on time
pay Forgotten bills and payment reminders harm the credit rating. Each punctually paid invoice will be assessed on the account history positive of the Schufa.
5. Debt repayment will not forget
arrears, press the Score. In a pinch, you can arrange with the contractor a payment in installments. Who wait too long to Pay, you risk a warning.
6. In the case of multiple loans
to refinance Several loans, you can put together into a single obligation. This restructuring not only creates order in your own financial budget, but also helps save interest. FOCUS-MONEY – buying-Alarm! The new Corona a buying opportunity
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7. Economical with loan requests
a car, a holiday, building a house deal – any loan request is saved and leads to a credit check. The credit is not concluded, it remains a negative Schufa entry.
8. Conditions of request for loan application
In the case of a loan application, you should ensure that the Bank provides to the Schufa, a terms and conditions request. This means that the Bank’s entries examine the ability to pay and possible Negative. This attracts no entry in the Schufa and also improves the credit rating.
9. Line of credit as possible to conserve
Who is permanently with its current account in the Minus, or the account covers, on the Schufa is not a good impression. Better the account and the Passbook fill up again. In addition, high interest rates will be in the line of credit is due.
10. Secure passwords use
for password or identity theft can be expensive. And if the Hacker goes with your data on a shopping spree without having to pay, debited to the your credit Score. Identity abuse is therefore immediately to the police and credit Bureau report, and the data clean.
The credit Bureau calculates the Score every three months. Who followed all the tips, should be able to improve Score and credit rating, at the latest after half a year.
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