I don't think it is, at least it always seemed to me that if you take up no credit, Schufa won't be a problem. While when I moved to the US, I had to open credi

I don't think it is, at least it always seemed to me that if you take up no credit, Schufa won't be a problem. While when I moved to the US, I had to open credit lines to build "history". Then again, I don't know what fully goes on with Schufa, so maybe it just wasn't a problem for me. But then what would be the problem without "history"? Had I built a house or bought an apartment, I am very sure they'd primarily look at your income. And the one time I had took a "Bildungskredit" because I was financing my university time myself, my non-existing Schufa records did not come up either. Correct me if I'm wrong, but it much rather seemed like a "bad payer" register to me (as a cousin comment just called it for Denmark).