[dhoe]

I almost didn't get a mortgage in the Netherlands because if you're German, they request a Schufa report, and there was a minor issue on that. Had I come from e.g. Bangladesh instead of from Germany, I would not have had this problem.

We found a workaround and ten years later the house is paid off, just for illustration of how predictive that report was. I'll cheer for whoever takes on and fights Schufa, always.

[bombcar]

The underlying issue is that bankers have no discretion (for various good and bad reasons). Everything is bureaucracy and checking the right boxes to let the computer decree your worthiness. No overrides, no explanations permitted - unless you can attack the problem from another angle.