2023年6月8日

Schufa想变得更加透明。此外,客户应该能够在未来披露更多的数据。然而,改变已经严厉批评。德国——是否结束手机合同或融资一辆车:信用检查从Schufa现在许多事情的先决条件。到目前为止,几乎没有信贷机构的透明度。私人客户不能影响他们所谓Schufa得分。未来应该改变的:为了提高他们的分数,客户也应该传输更多的信息,比如他们的帐户余额。大Schufa变化——2022年12月数据变得更加透明,Schufa控股集团收购了柏林fintech Forteil GmbH公司运营Bonify平台。合作的目的是增加透明度,给个人“控制”他们的数据,当时信贷机构解释说。根据Schufa,这些措施旨在使他们更加用户友好。 It should also be possible for private individuals to improve their Schufa score. This should probably also happen with the help of the account balance of the Schufa customers. So far, the Schufa only knew how many accounts someone had, they should now be able to read them out (more Financial news on RUHR24). Schufa plans: Customers could transmit their account data in the future As the Southgerman newspaper and the WDR report, this should apparently work as follows: Anyone who has a negative Schufa score, although they have sufficient financial resources, can transfer their bank details to the new Schufa partner Bonify. Bonify can read the bank details and, for example, determine that the customer has enough money in their account to pay their bills. The Schufa emphasizes that the whole thing is voluntary and only serves the purpose of improving the Schufa score. What sounds practical at first is now being sharply criticized by the Finanzwende association. Massive criticism: consumer advocates warn against Schufa plans According to consumer advocates, access to accounts is only voluntary in theory. However, anyone who has a negative Schufa score would be forced to disclose their account balance in the future so as not to be excluded from important areas of life. On Monday (June 5), the Finanzwende association therefore started a petition against the Schufa project. The change is “not a transparency offensive”, but a “Trojan horse”. This gives Schufa even more power than before. Real transparency can only be achieved if Schufa would make its scoring process public. As the Southgerman newspaper reported, the Schufa rejects the criticism in part. So there are no concrete plans for the design. The corresponding data from the account insight would also not be saved. Whether and to what extent the criticism is justified remains to be seen. Schufa change: Customers should transmit more data in the future The fact is, however, that customers should transmit even more of their data in the future. The corresponding press release from Schufa from December said that customers could use Bonify as a “personal data cockpit” from 2024 and view their individual data. It should be possible to use simulation to find out how which measures affect the score. In addition, it would be possible in future to use the Bonify app to improve your own score with “additional information”. According to Schufa, such additional data could be, for example, a canceled credit card or a real estate loan that has been paid off. Schufa normally has to delete information about both quickly, but it has a positive effect on the score. Schufa plans – customers can add “additional information” to their data in the future. (symbol photo) © Wirestock/Imago Schufa plans: To improve the score – this account data is relevant Likewise, such supplementary data could also be account data, Schufa explained. Bonify’s services already included the option of checking accounts. If Schufa customers voluntarily grant an insight into their account via Bonify in order to improve the score, all credit-relevant data will be of interest to Schufa. This includes, for example, the current income, the balance of the account or whether it is an active account. In any case, the data would only be forwarded by Bonify to the Schufa if the customers commissioned this themselves. 2023-06-07 15:54:24