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January 5, 2026

Sparkassen’s Debt Push: Public Good or Profit Machine?

Germany’s trusted local banks face scrutiny over aggressive consumer lending practices that contradict their public welfare mandate.

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SCHUFA’s New 0-999 Credit Score: Why Your ‘Excellent’ Rating Might Suddenly Feel Average

Germany

December 18, 2025

SCHUFA’s New 0-999 Credit Score: Why Your ‘Excellent’ Rating Might Suddenly Feel Average

Germany’s credit scoring giant is abandoning its opaque percentage system for a transparent 0-999 point model. The beta reveals exactly how your score is calculated, and why many Germans will see their rating drop overnight.

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