Regarding 1): This can be avoided by having an agency asking for loans for you, as those requests are not directly linked to you as far as Schufa is concerned.

Regarding 1): This can be avoided by having an agency asking for loans for you, as those requests are not directly linked to you as far as Schufa is concerned. Most of the time so, you can easily ignore Schufa in your dqy to day live. They suck to deal with for mortgages, loans and appartment rental so. And they over step their authority and abuse their power all the time, without cobsequences for them so far. Hope that changes soon.