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Hey all, I have a few questions about german finance I've been in Germany 5 years, but I'm still struggling to wrap my head around 2 specific questions: - is there someplace you can (for free) access your detailed credit report, and any explanation of any derogatory remarks? - how can you effectively fight false claims Explaining question 1 in more detail - when I get my schufa, it simply says its good there's no comments. But I have also heard there should be a score attached, and I have never seen this. All I know is my score must be good enough to get a flat, get a phone contract, etc. but apparently not good enough to use Klarna, etc. I want to get a clear picture of my financial / creditworthiness in Germany, but I can't seem to do so. I generally pay bills on time, yet (for example) yesterday my N26 account said they can no longer offer me overdraft because of a change in my credit rating - could be related to the second point Second question, since being here I have had 3 frustrating cases related to Inkasso: 1. I ordered from Zalando and the order never arrived. I spoke with them, filled out a report, etc. and they promised to get back to me. Then instead all of a sudden they sent it to collections. After months of explaining it to Collectia, I eventually gave up and paid the 400 or so euros for the order even though I never got the items. That was a year ago, and Zalando customer service seems to care less, and obviously Collectia doesn't bother to respond either. 2. I had a contract with FitX and cancelled it - first in person but they said I had to also mail the letter so I did, and then said they never received it... fast forward, sent me to collections, I gave up after months of trying to explain to them I cancelled (I had proof and showed them, they never responded) and finally paid the 300 euros though I felt that was unfair just to stop the legal proceedings. 3. Now today I'm afraid I have another experience and I am absolutely fed up. I got a letter from Inkasso claiming they sent prior letters (this is the first I received, and I check my mail regularly) on behalf of Vattenfall. Here's the thing -- I have NEVER had a contract with Vattenfall. I have been here 5 years - 2 years in WGs and the contract was in my roomates name, and 3 years in serviced apartments (Orbis/Wunderflats) where electricity was included. So now, even though I never had a contract, Vattenfall is demanding 400 euros by Monday. I have the money and I can pay, but I am getting incredibly frustrated with this pattern here of errors on companies side and collections agencies not caring if the claim is legally valid or not. If I pay this, I will be in the hole of 1,1k euros for products & services I never received or never agreed to. It blows my mind this is actually legal, and I honestly feel extorted at this point. - Is there a way I can more effectively fight these claims? emailing & writing letters doesn't work, and because my german is bad, I almost always get hung up on by these companies when I call. I am especially frustrated these errors seem to have damaged my credit, and that there's essentially nothing I can do about it. Is it the reality that even if a company doesn't provide the products or if you never even agreed to the service, they still have full control over you and can demand money whenever they want? There must be some way for people to flag incorrect claims? And anyway I can now restore my credit after these frustrating experiences?
Hello, I received an Inkasso (debt collection) letter recently. I was living in Wolfsburg in 2018 and made contract with LSW (for electricity and heating). I moved to Munich in Jan 2019 and closed my contract with LSW. They gave me heating bill right away and they said they will send electricity bill after 8-9 months. I had given LSW my new address but unfortunately it was temporary. I changed address again before they sent me the bill in Sept 2019. Now in 2021, I have received Inkasso. I paid it immediately as I am a very scared of German system in general. But I realized later that LSW has my email id and my mobile number details too. So they could have contacted me through either of those. Now I have already paid Inkasso service charges and bill, I am not expecting money back. 1. I am worried about my SCHUFA. Inkasso mentions they have informed SCHUFA about this. In what ways I can get affected due to this in the future? 2. Can this come in discussion when I apply for loans, rental houses and German citizenship? 3. Is there something I should do now to make the situation better for me? Thanks in advance.