SCHUFA kugoletsa

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Kodi chiwerengero cha SCHUFA ndi chiyani?

Mpukutu wa SCHUFA umamveka kumatanthauza mapepala oyambirira pansipa. Izi cholinga chake kuti tiwonetsere kuti mwayi wa munthu wodalirika akukwaniritsa ngongole ya ngongole kapena malipiro ena omwe sali obwerezabwereza.

Pulogalamuyi ikukonzedwa ndi SCHUFA Holding AG, bungwe lalikulu kwambiri lazamalonda lokhazikitsa malonda ku Germany ku Wiesbaden. Chiwerengero cha chiwerengero cha chiwerengerochi chapatsidwa kwa SCHUFA ndi mabungwe a ngongole, ogulitsa telecommunication ndi makampani ena, omwe amadalira ziwerengero za SCHUFA.

Ndipotu, munthu payekha alibe Basiscore komanso maulendo ambiri.

Cholinga cholemba

Lingaliro lokopa ndikulongosola zam'tsogolo molondola momwe zingathere ndi thandizo la deta yakale.
Izi cholinga chake kuti apatse makampani onse chitetezo ndikuthandiza okhoma onsewo.
Kumbali imodzi, malipiro a malipiro ayenera kusungidwa mocheperako, ndipo, ngakhalenso, ngongole zambiri zomwe zingayambitsidwe ndi "nkhosa zakuda" zikuletsedwa.

Kore zoyambirira

Basiscscore ndi phindu la 0-100 yomwe imagwiritsidwa ntchito kusonyeza momwe munthu angakhalire ndi udindo wachuma, pomwe mtengo wapatali ndi wabwino. Amtengo wapatali ku Germany anali 2016 pa 97,8%.
Basisscore ikusinthidwa miyezi yonse ya 3.

ambiri makampani

Nthambi zamagetsi zimayimirira kuti ziyimirire ngongole ya munthu poyerekeza ndi malo amalonda.
Panthawiyi 7 ili ndi zosiyana zosiyana kwa munthu aliyense:

[mndandanda] [*] Ndemanga ya Schufa ya mabanki
[*] Mpukutu wa Schufa wa bizinesi ya ngongole
[*] Mpukutu wa Schufa wa malonda
[*] Mpukutu wa Schufa wa makalata ndi eCommerce
[*] Mpukutu wa Schufa wa makampani a telecom
[*] Pulogalamu ya Schufa ya freelancers
[*] Mpukutu wa Schufa kwa amalonda ang'onoang'ono
[/ List]

Awa ankalemekeza pafupi ndi mtengo mphambu (chithunzi Ichi ndi chifukwa 2008 pakati 0 ndi 9999) ndi "nduna msinkhu" (AF, komwe ndi zabwino) ndi "kugwilizana Mwina" mofanana ndi pakati yaikulu ya 0% - 00%.
Nthambi zamagetsi zimasinthidwa tsiku ndi tsiku, mosiyana ndi zofunikira. Kumvetsetsa kwa masambawa kuyenera kupemphedwa mosiyana.

Kusunga deta ndikupanga kukhathamiritsa

Ngakhale kuti deta yanu, monga dzina kapena tsiku la kubadwa, imasungidwa, deta yotsatira ikugwiritsidwa ntchito:

[mndandanda] [*] mavuto olipira kale
[*] Mawu Terms
[*] Mawu ntchito
[*] Mbiri yakale ya ngongole
[*] Zambiri zadzidzidzi
[*] Address Data
[/ List]

Malingana ndi SCHUFA, geoscoring deta imagwiritsidwa ntchito nthawi zambiri, mwachitsanzo, mapiritsi a munthu amawerengedwa kuchokera ku deta ya anthu omwe amakhala kumalo omwewo. Izi zitha kugwiritsidwa ntchito ngati palibe chidziwitso chokhudza munthu amene angakhoze kuwerengetsera zolembazo.
Deta kuchokera kwa anthu ocheza nawo siigwiritsidwe ntchito ndi SCHUFA.

Kuphatikiza pa kulipira nthawi kwa mavoti, "kuphweka" akulimbikitsidwa kuti apambane mapepala. Izi zikutanthauza kuti kusintha kosintha kwa malo ogona ndi ma akaunti, komanso kukhala ndi makadi ambiri a ngongole kapena zofanana, zimakhudza kwambiri zolemba zawo.
Tiyenera kugogomezera kuti ngongole yolipidwa nthawi yomweyi ndi yabwino kusiyana ndi kuti simunayambe ngongole.

chilungamo

Chinthu chotsutsana kwambiri ndi SCHUFA ndicho kutsutsa kusapitirira malire. Pakati pa zonena za kuululidwa kwa machitidwe ake pa kuwerengera kwa mapikisano, iye wapanga chinsinsi cha bizinesi. Pomalizira, SCHUFA anali pa nthawiyi pa 28. January 2014 kuchokera ku BGH pomwe.
Chotsutsana chachikulu apa ndi chakuti pakakhala kufotokozera mwachindunji kwa mayendedwe, ogulawo angagwiritse ntchito zolemba zawo, zomwe zikutanthauza kuti mtengo unalibe tanthawuzo.
Zimangodziwika kuti kachitidwe ka regression (kamfupi: logit model) amagwiritsidwa ntchito polemba kutsimikiza.

Palibe mavoti apabe.
Chonde dikirani ...