What can I do if my bank incorrectly gives me a negative Schufa entry?
December 9, 2022 | 40,00 EUR | answered by Alwin Reuter
Dear lawyer,
my name is Valentina Gerdes and I recently discovered that my bank has unjustly provided me with a negative Schufa entry. I have regularly paid my credit installments on time and have no debts with the bank. Nevertheless, I was informed that my creditworthiness was negatively evaluated due to an allegedly open account.
This false Schufa entry is causing me great concern as it could jeopardize my financial future. I fear that I may encounter difficulties in obtaining loans or financing in the future. Additionally, this could have a negative impact on my professional situation as many companies check the creditworthiness of their applicants during the hiring process.
I feel unfairly treated by my bank and would like to know what steps I can take to resolve this situation. Are there ways to challenge the negative Schufa entry and restore my creditworthiness? What legal steps can I take against my bank to obtain a correction of the entry?
I urgently request your advice and support in this matter as I do not know how to proceed. Thank you in advance for your help.
Sincerely,
Valentina Gerdes
Dear Mrs. Gerdes,
Thank you for your trust and your inquiry regarding the incorrect Schufa entry. It is understandable that you are concerned and want to find a solution to this problem as soon as possible. A negative Schufa entry can indeed have serious consequences on your financial situation and your professional future, so it is important that you take action.
First of all, it is important that you gather all documents and evidence that prove that you have paid your credit installments on time and have no outstanding debts with the bank. These documents will serve as evidence to prove your innocence and correct the false entry.
The first step you can take is to write to your bank and explain the situation. Request the bank to correct the false Schufa entry and attach all relevant evidence. Give the bank a reasonable deadline to respond to your letter.
If the bank does not respond to your request or correct the entry, you may consider taking legal action. In this case, I recommend that you consult an experienced lawyer specializing in banking law who can support you in this process. A lawyer can help you take the necessary steps to challenge the false Schufa entry and restore your creditworthiness.
It is important to note that Schufa acts as an independent credit agency and cannot be directly influenced by you. Therefore, it is crucial that the correction of the entry is initiated by the bank.
I hope that this information helps you and supports you in your endeavor. If you have any further questions or need assistance, please do not hesitate to contact me.
Best regards,
Alwin Reuter
