Schufa for buying stuff and Schufa for banks are two different branches, meaning that if I buy something with Klarna, they’ll query a Wchufa service for online

Schufa for buying stuff and Schufa for banks are two different branches, meaning that if I buy something with Klarna, they’ll query a Wchufa service for online purchases. A bank credit will query another service from Schufa, which probably tells them what other loans I have and will put a huge dent in the score