Basically, in Germany, who has a negative or burdened credit rating, this is also granted by any banking institution, a loan. The basis for this is the SCHUFA information, which, together with the credit data of the German citizens collected, gives the relevant institutions information about the credit risk. So in plain language means that with a burdened SCHUFA information no credit business comes about. Banks therefore have to hedge against a corresponding credit risk and the various credit reporting agencies in the Federal Republic – especially the SCHUFA Holding – provide the appropriate basis for valuation. But this is exactly where ingenious businesspeople with a loan offer, which appears to many people with corresponding SCHUFA problems, often as the last salvation – the credit without Schufa ! And everywhere, where needy people look around for rescue, dubious credit offers appear again and again.
Credit promised without Schufa, but not received
A relatively new, but obviously highly-lucrative version of a dubious loan without SCUFA offerings is currently circulating in the vastness of the Internet and has alerted numerous consumer protection associations. With advertising messages such as “SofortKredit up to 6499 euros, 100% allotment even with negative Schufa, unemployment or low income” addressed on relevant websites targeted low-income and schufa-burdened credit clientele. What appears at first glance to be the ultimate solution for the aforementioned customer potential, however, has a small, but very serious catch: The alleged top credit offer without SCHUFA is coupled with another financial offer, namely the order of a “MasterCard Gold”. For this card is a one-time fee of 49.90 euros charged, of course, plus shipping costs and other fees. But who now believes that this credit card is a worthwhile extra, the walk on the trail of misinterpretation and that is quite deliberate.
Credit without Schufa in combination with a credit card = often a marketing trick!
Because exactly at this point starts the rip-off story! First, this MasterCard Gold is a prepaid “credit card” that must be preloaded with a credit in order to be used. Second, the receipt of up to € 6499 credit with the purchase of the prepaid credit card is not guaranteed. The operators of such supposed “credit without Schufa” offers is primarily about getting the € 49.90 for this card and not necessarily a loan to mediate. At best, the loan application submitted with the MasterCard Gold order will be forwarded to various credit intermediaries or even banks, but ultimately they will decide whether a loan can be granted or not! Corresponding references to such behavior can often only be found in various footnotes of the website or in the terms and conditions. Stupid for all those who think that they just do not have to deal with the issue of general terms and conditions.
Credit without Schufa is not a general rip-off
There is no question that every loan offer should be thoroughly examined, and in particular those that fall into the category of “loans without SCHUFA”. In no other credit segment is the risk of being “ripped off” as high as here. As immoral and irresponsible as it sounds, but with the suffering and hardships of others, money can be made fairly quickly and easily. In this respect, it can only be advised again and again to get the most comprehensive impression possible through the providers of schufa-free loans. Forums, rating portals and the information portals of credit protection organizations and consumer protection associations help here.
Editor: Markus Gildemeister
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