Prior to lending by a financial institution, the applicant’s creditworthiness is carefully assessed to minimize default risk. Beware of credit inquiries without credit bureau information for the self-employed. It wanted to protect consumers from over-indebtedness and offers self-employed information for a credit inquiry. The credit check on lending? Before the loan is granted, the bank checks the creditworthiness of the applicant.
Often wrong: check credit bureau information before each credit application.
Almost every second credit bureau information is faulty. Nevertheless, only a small proportion of borrowers in the Federal Republic check their own data before applying for a loan. As a result, loans unnecessarily often or not at all over-interest. Almost every second credit bureau information is faulty. You can check these with a self-report.
Nearly all credit institutions in the Federal Republic cooperate with the credit bureau when granting loans (www.credit bureau.de). The bank makes different information available to the institutes. On the one hand, it provides information on the number of current accounts, mobile phone contracts and current loans as well as the credit lines granted. These can be both loans (positive feature) and reported arrears, account reversals after negative balances, and so on.
With more than 64 million data records credit bureau always seems to be experiencing errors.
For example, a credit line that no longer exists can still be shown as capitalized. Worst of all, the credit bureau database, due to confusion, contains a search warrant to present the statement. Particularly hard is the arrest warrant against the PA, which leads to a strict rejection of the loan application by all credit institutions.
However, connoisseurs are characteristics in which loans are granted on less favorable terms. The sufferers accept the excess risk premiums on the interest because they know nothing of their misinformation credit bureau. Once a year, consumers have the right to a legal guarantee (§19 Federal Data Protection Act (BDSG) and 34 BDSG) on a self-disclosure of credit bureau.
You can inquire with the credit reference agency in writing or on the Internet at us. credit bureau is committed to free and immediate troubleshooting. The credit bureau is entitled. credit bureau has been represented by an online portal (www.meinecredit bureau.de) for several years. credit bureau also scores points for its business partners. credit bureau does not disclose the exact composition, citing its trade secret.
Consumers will only be informed about the basic rating in the self-report and in the online portal. The numbers of 98 or 99% seem to be average – as the few available studies on this area show. Decisive are the credit bureau industry notes, which are ordered separately and at extra cost.