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  1. Inkasso erros

    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? 
  2. I will repost this as my first post was in German.   I have a question about my situation. Last summer I received the foreclosure claiming (Zwangvollstreckungssache) letter from the district court, according to the unpaid charge for electricity bills, for 300 euros. The reason for the unpaid situation lies in the miscommunication with the company and my husband, who is supposed to pay it - and, unfortunately, I did not notice the letter of the cost assessment notice(Kostenfestsetzungsbeschuluss)  that was sent a few months ago by traveling. I accept my guilt for not taking good care of the situation.   After noticing the letter, I immediately paid the requested fee and contacted the electricity company representative, informing them that I had paid, and in the fact the enforcement was not carried out.   And now - I'm trying to apply for a new apartment with my name. The self-disclosure for the apartment asks the question " Have enforcement measures or eviction suits been initiated or carried out against the prospective tenant in the last five years?" - "Sind gegen den/die Mietinteressenten*in oder den/die Mitbewerber*in in den letzten fünf Jahren  Vollstreckungsmaßnahmen oder Räumungsklagen eingeleitet oder durchgeführt worden?". In this case, could I answer no - as,  as the result, the enforcement measures were not carried out?  Or should I tell them the situation in the detail, as in some way they would know? Somehow my Schufa still remains positive, but it is only displayed with my old address, where I lived before I received the issue of this electricity bill. I would be very happy to receive any kind of information and advice. Thanks in advance!

    Hey all  stupid question here...   whenever I have requested my SCHUFA report by any means it always says "only positive" and gives me no score. I have been in germany for 4 years so this is very confusing. I have paid for it online multiple ways and have requested it by mail... its always the same. No number, just "positive"   However, I am worried its not so positive because when I go to apply for a loan, I am rejected... presumably there is something I am not seeing?   Can someone walk me through how to correctly get a score? idiot proof the explanation please because I am clearly confused haha   thanks!
  4. As title, do property management companies send your rent payment information (e.g. late or overdue payments) to Schufa?   The flat I'm renting has changed its hausverwaltung companies at the beginning of 2020, and during this transfer, the new hausverwaltung's computer system has made an error and now thinks I owe them unpaid deposit or rent of 400+ euros (I doubled checked my bank statements, I paid everything on time and don't owe them anything). So I keep getting these autogenerated letters they send me saying that I must pay back "the money that I owe them" by a certain date. I tried to call them and email them but no one ever answered.   This went on for a few months, then I finally had the time to visit their office in person without an appointment. I gave them printouts of my bank statements and they told me they will investigate this and get back to me via email. 2 weeks later no email and I received another such letter. And I went to their office again, this time a different person told me she will put a stop to the letters and will investigate and email me the results. But now it's almost one month later and I still haven't received any email from them. This time I got both agents' emails and I will write them again and demand a written explanation that I always paid my bills on time and do not owe them anything. But it's really time-consuming chasing them down all the time...   So, my question is since their computer system mistakenly thinks that I have overdue rent/deposit for several months now, will this information be communicated to Schufa? I've already ordered a Schufa report and it hasn't arrived yet. If I see this erroneous entry on my Schufa, how do I go about correcting it? Will the score be corrected as well? Thanks a lot!