How can I defend myself against incorrect Schufa entries?
November 6, 2022 | 50,00 EUR | answered by Alwin Reuter
Dear Bank Law Attorney,
My name is Hanna Schenkenberg and I have recently discovered that there are erroneous entries in my Schufa credit report that are affecting my creditworthiness. This is causing me great concern, as I have never had any payment difficulties in the past and my financial situation has always been solid.
The incorrect entries in my Schufa credit report are likely due to an incorrect data matching or a misunderstanding in the transmission of information. As a result, my credit score has been negatively affected and I am now concerned that this could impact my creditworthiness.
I have already tried to contact Schufa to dispute the errors, however, communication is proving difficult and I am not receiving specific information on how to correct the erroneous entries. Therefore, I am reaching out to you in the hope that you can provide me with legal advice on how to defend myself against these erroneous Schufa entries and restore my creditworthiness.
What legal steps can I take to correct the inaccurate entries in my Schufa credit report and improve my credit score? Are there any specific laws or procedures that can assist me in this matter? I would greatly appreciate your support and guidance on this issue.
Sincerely,
Hanna Schenkenberg
Dear Mrs. Schenkenberg,
Thank you for your inquiry regarding the incorrect entries in your Schufa credit report. It is understandable that you are concerned, as a negative credit rating can affect your financial options. Indeed, it is important to address incorrect entries in the Schufa in order to restore your creditworthiness.
First of all, it is positive that you have already tried to contact the Schufa to dispute the errors. Unfortunately, it is not uncommon for communication with the Schufa to be difficult and sometimes challenging to obtain specific information. In such cases, it is advisable to seek the assistance of a lawyer specializing in banking law to receive professional support.
To correct the incorrect entries in your Schufa credit report and improve your credit score, there are various legal steps you can take. Firstly, you should gather all relevant documents that prove the entries are incorrect. This could include bank statements, payment receipts, or correspondence with the companies involved.
Next, you can hire a lawyer familiar with banking law and data protection law. This lawyer can help you draft a letter to the Schufa listing the incorrect entries in detail and demanding their correction. The lawyer can also handle further communication with the Schufa and initiate legal action if the Schufa does not respond to your demands.
There are also specific laws that can assist you in addressing the incorrect entries in your Schufa credit report. For example, data protection laws stipulate that your information at the Schufa must be accurate and up-to-date. If the Schufa violates these provisions, you can take legal action to enforce your rights.
Overall, it is important that you seek professional legal assistance to address the incorrect entries in your Schufa credit report. An experienced lawyer specializing in banking law can help you restore your creditworthiness and improve your financial situation.
I hope this information is helpful to you and I am available for further questions.
Best regards,
Alwin Reuter, Lawyer specializing in banking law
