The important difference between condition request and loan request

A small difference in wording may decide on your loan. It does not have to come straight to the rejection, but even higher interest rates are annoying in such a case. Before you borrow money, the request must first always apply to the conditions and not the credit itself. Otherwise, your credit bureau Score will deteriorate from time to time. The more negative credit rating has a direct impact on your credit terms. You should know this detail to avoid errors when searching for credit. What you should know to distinguish between condition request and loan request, read our article.

The request is part of it

The request is part of it

If you want to have a loan, not only the written application is sufficient. You must prove your identity and provide evidence of your financial situation. For this, at least the salary slips of the last three months and sometimes also account statements are necessary. You can also offer loan collateral. Such securities either represent tangible assets such as real estate or cars. In addition, lenders mostly also accept capital investments such as stock portfolios or savings contracts and guarantees.

Regardless of the purpose or amount of the loan, these criteria are checked in advance by each sponsor. Another word has in addition the credit bureau to have a say. The assessment of your creditworthiness by the “General Collateral Association” is crucial to the outcome of your request. In addition to proof of your financial situation as well as possible security deposits, the credit bureau information will determine whether and on what terms you can lend money. When you apply for credit sitting next to you and the potential financier with the credit bureau quasi an “invisible third party” at the negotiating table.

The processing of all credit inquiries at a German financial institution is carried out by credit bureau.The credit bureau receives in any case, if a consumer wants to conclude a loan agreement in this country and interested in the terms. In return, she then provides information about the respective creditworthiness. By law, your credit rating must be determined before lending. On the one hand, it should protect you as a consumer from over-indebtedness. On the other hand, banks want to minimize the risk that borrowers will default them during the repayment phase. It is crucial for you whether the request is binding for a loan or only the credit terms are queried.

The credit bureau captures everyone All citizens are registered with their personal details at the credit bureau. This credit bureau is constantly in contact with traders, banks and other financial service providers. All data on lending, contracts and other financial activities converge there. This also includes information on payment behavior, for example, whether bills are paid on time or regular reminders. The credit bureau score maps the behavior and reliability of the individual in financial matters. Who has a bad score, for the most remains only a loan without credit bureau.

Condition request is neutral

Condition request is neutral

If you are interested in a loan, you should first inquire about its terms and conditions. The credit bureau must be called in such cases and communicate your score. Only with this procedure is a valid calculation of your credit terms possible. The reason behind it is understandable: if you have a good credit rating through your credit bureau score, you have better conditions. A positive score means for your bank that you are a low risk borrower. In return, a lower score is equivalent to a higher default risk. The better your credit rating is assessed, the better your credit will end up in the end. This initially refers to the interest, but can also affect the amount of a loan. If you are financially reliable, you will get more attractive credit terms.

You do not ask the credit bureau yourself, but the potential lender. Be sure to avoid a crucial mistake. Your credit bureau information should always be obtained due to the request credit terms. This process is credit bureau neutral and does not affect your score at the credit bureau. After all, it is important for you to compare and compare different offers in advance. A convenient way to do this is through our credit comparison. This will provide you with the best deals that are currently available, quickly and reliably. The comparison is of course free of charge and your information will be processed without obligation and credit bureau-neutral.

Credit request harms your score

Credit request harms your score

If your interest in a loan is passed to the credit bureau as a request credit, that is detrimental to your credit rating. The credit bureau gives the potential lender the same information as when requesting credit terms, but assesses the process differently. Requests that are directly related to the credit are noted and debit your credit. Assuming you inquire about the same loan without obligation from three banks, the credit request will burden your credit rating each time. The fourth bank is then informed by the credit bureau that you have already submitted three (unsuccessful) credit inquiries immediately before. As a consequence, bank number four will automatically consider you having a higher default risk. In order to take this into account, you will be offered a more expensive credit from time to time. In the worst case, you may even be completely denied a loan because of the negative credit rating.

Without really getting into debt, the credit rating deteriorates in this example. If you are looking for offers in a branch bank or an online loan comparison, you have to keep this in mind. Make sure that your creditworthiness is only determined by the credit bureau-neutral condition request. In the case of personal consultations in a bank, always insist that your concerns are correctly passed on to the credit bureau. Only when you have decided on a loan offer, the binding request should take place. In fact, this note is justified only in such a case.

Obtaining credit bureau information yourself Once a year, you are entitled to free self-assessment according to the Federal Data Protection Act. The application takes only a few minutes and gives you an overview of your current score. Take advantage of this opportunity and contact credit bureau if you have any questions. Outdated or incorrect entries can be corrected on justified objection.


When you inquire about loan offers, every detail counts. If something is overlooked or confused about your creditworthiness, it can cost you unnecessary money. As long as you look around for the terms of a loan, that should tell any provider of credit bureau so synonymous. The credit bureau can not be kept out in any case. Therefore, your information should be drawn only with the subject condition request. The matter is then treated as non-binding and neutral as it actually is in the end. Once you have found your preferred loan, the loan request must be made once. This burdens your score (rightly) and has never made sense before. If it gets confused in the reasoning in advance, this pulls your score down again and again. If that happens simply because you are asking about loan offers, that has consequences. Your credit rating is dwindling and every additional offer becomes more expensive. Therefore, pay attention to this little thing to secure the loan with the best conditions, as you are really entitled to.

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