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Comment by tobltobs | Hacker News Reader

Thank you for those detailed links. They are kind of eye opening, and I am German. However, it is hard to understand how stuff like GEZ, Schufa and article 35 can exist concurrently in the same country.

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Schufa (the biggest consumer credit reporting agency in Germany) and article 35 can certainly co-exist. In fact you can write to Schufa and request that they delete all your data.

However, if you do that, good luck ever getting a mortgage, credit card or other post-paid services ever again if all credit report requests come back with the reponse "no data available". So I wouldn't recommend that.

> However, if you do that, good luck ever getting a mortgage, credit card or other post-paid services ever again if all credit report requests come back with the reponse "no data available". So I wouldn't recommend that.

How does that work for people who never had a Schufa history? If for instance I decided to move today from Brazil to Germany, would I be unable to do all these things there, since they would have "no data available" on me?

You‘ll still have access. Probably at a higher rate.

The reports for people who are just new in the system and for people who had their data deleted by request are different.

There are thosuands of horror stories how the Schufa isn't able or willing to correct wrong data. And no data protection agency in Germany did ever brought such a case to a court.

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