[changethe]

they have many different scores.

the main consumer-facing score is what you are describing, which is never used by their customers.

for customers (banks,insurances, retail companies etc.) they have scores tailored to their industry (branchenscore), which also includes repaid loans etc.

the "basisscore" is pretty much useless, it's only a number given out to consumers.

[changethe]

in case you speak german: i wrote up an article about their scoring some time ago.

in the following section i talk a little bit about the differences between "branchenscores" and the "basisscore": https://onlinekredit.com/schufa-scoring#der-schufa-basisscor...