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Anon on credit scores (sh.itjust.works)

submitted 9 months ago by dramaticcat@sh.itjust.works to c/4chan@lemmy.world

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[–] SickPanda@lemmy.world 78 points 9 months ago (5 children)

usually I love to shit on muricans, But Germany has something similar. A private company called "Schufa". This private company secretly calculates your credit score (no one knows realy how they calculate it) which determines if you get an apartment (for rent) or not. Living in the wrong street already kills your credit score here.

If the Schufa doesnt have information about you, it counts as negative.

[–] Int_not_found@feddit.de 47 points 9 months ago* (last edited 9 months ago)

As someone, who loves dunking on the Schufa, as any good German should. The Schufa-Score isn't nearly as insane as some American credit score systems. Having an registered checkingsaccount & no outstanding bills or debt payments is enough data to have a high score.

You don't need to repay debt to show, that you are able to.

[–] Comment105@lemm.ee 20 points 9 months ago* (last edited 9 months ago)

Credit scores are the West's social credit system.

If we value our freedom from a controlling, oppressive system, then we should penalize the creation, selling, buying and usage of credit score data. And we should keep on top of it to include any emerging attempts to re-establish an equivalent system.

[–] AstralWeekends@lemm.ee 0 points 9 months ago (1 children)

Living on the wrong street? What does that entail?

[–] jarfil@lemmy.world 4 points 8 months ago

Drug dealing, wrong skin colored neighbors, rabid squirrels stealing food from your kitchen... you know "the wrong street".

[–] AngryCommieKender@lemmy.world -1 points 9 months ago (1 children)

TIL there are streets in Germany one can be homeless in, and it doesn't affect your credit score.

(I'm joking about your usage of "in" as opposed to "on", immediately following talking about not getting a place to live)

[–] SickPanda@lemmy.world 1 points 9 months ago* (last edited 9 months ago) (1 children)

Huh?

I was saying that renting an apartment in the wrong street is a factor for a bad credit score here in Germany.

Edit: you can't move into another apartment with a bad creditscore

[–] jarfil@lemmy.world 2 points 8 months ago

I think they were making a grammatische joke.