The credit agency Schufa holds data on 67.9 million people in Germany. Its new score, due to start on 17 March 2026, uses twelve criteria on a scale from 100 to 999. One of them is the age of a person’s oldest credit card. Christine Steffen of the consumer advice center of North Rhine-Westphalia commented: Gerade jüngere Verbraucher:innen haben gar nicht die Chance auf einen guten Wert, weil sie sich noch nicht im Wirtschaftsleben beweisen konnten … Younger consumers in particular have no chance of a good score, because they have not yet been able to prove themselves in economic life.