The base score (scorewert) that should be used is in procent.
The Schufa results are based on known facts about a person.
- Accounts, Employment, Contracts
- the amount of each and how they are used/fulfilled
The exact method used is a business secret (Geschäftsgeheimnis), as determined by court rulings.
So an entrant (Berufsanfänger), will be less known than someone working for 5-10 years.
A new Immigrant, who is also unknown, falls into the same category.
With time a reputation is built, when know facts have been collected.
In the past, for an entrant, it has always been difficult.
In the present day of computer automation it has become worse, since the aspect that the queried persion is an entrant is often not taken into consideration
- the computer (hallowed be it's name) says no
- they (who do not think) accept that result
There are of course exceptions ...
- real estate (Immobilien) is not one of them
Schufa Score - Alle wichtigen Infos im Ratgeber
>97,5% Sehr geringes Ausfallrisiko
95-97,5% Geringes bis überschaubares Risiko
90-95% Zufriedenstellendes bis erhöhtes Risiko
80-90% Deutlich erhöhtes bis hohes Risiko
50-80% Sehr hohes Risiko
<50% Kritisches Risiko