Warum gibt es Banken, die ein Girokonto ohne Schufa anbieten?

If you don’t have a bank account today, you can’t rent an apartment, don’t use electricity or gas, you can’t get an internet access or a mobile phone contract and don’t do anything else because everything goes cashless. Without a bank account, you are practically excluded from life.

That is why there must be Benkens who also give such people the opportunity to participate in life that may not have paid an invoice once.

I find the Schufa as marginal as regards the legal situation. It often happens that people are wrongly classified as not creditworthy.

Imagine a student lives in a WG and it always happens that letter mail disappears from the mailbox. She doesn’t get any bill and doesn’t even know she’s got debt. The warning disappears as well. Then comes the courtmate and the entry at the Schufa.

The study is finished, she has a doctorate and wants to make herself independent, but she can’t do that because her bank doesn’t want to give a loan. And that’s just because she didn’t get bills. — The Schufa has already destroyed many lives by its slanderous desire to protect capitalists.