bonify Germany Reviews

Algorithm for the trash can
My credit rating is among the worst 3% of the country, according to Bonify. Say there are unemployed who are supposed to have a better credit rating than me, who has a Schufa score of 99.

Honest - superfluous like anything else.
A prime example of how demand is suggested that is not there at all.
A large part of economic decisions are not based on creditworthiness and where banks etc. need them, they do not use Bonify.

Website full of mistakes: constantly I have to sign up again, some functions are not found after logging in and thus is bsp. the information for tenants unusable for me

Super Service. Very helpful to keep his finances under control and to have a general overview.

Hi,
I don't often write reviews. I can not fully understand the partly negative reviews of the others. I registered with bonify to have my Schufa rating and my credit rating tested. It worked wonderfully. By accessing my account, I got direct offers for cheaper tariffs in the area of electricity, DSL, insurance, etc.
Not everyone likes that because of big data and all that, but it was perfect for my purposes.
In addition, I've rarely had such a personal service as with bonify. I got a call and was asked how satisfied I am, everything was very relaxed and personal. I didn't find that disturbing but rather attentive. I think the team behind bonify tries very hard to continuously improve their product. I am definitely grateful for the performance and support. Since you can only give 5 stars! Keep it up...

Can you really give yourself!

I tested the site and the offer over a few weeks. Not only that the app shows almost only advertisements, the information about creditworthiness is simply ridiculous and nice "non-binding". According to the motto, "we will show you something, but if you want to use it, it is not binding". Say, the APP is a CHILD TOY !!! Stay away from all those who REALLY know the world of finance and know what matters.

interesting idea, sloppy execution in the end but only the impression of a spam portal conveys and nothing "personal" "extra for you" or whatever has advertised but just a simple algorithm of finance check and a Spamfolder in which one then massively random loan offers who always claim that they have already been adapted but ultimately have as much individualisation as SEA. So spam, finger away, in my eyes

In itself, the idea of creating a transparent counterweight to the Schufa is great. But I have to say that the implementation by bonify has failed in my eyes.
It starts that the records are not always, but often incorrect. In my eyes, the change in creditworthiness is still non-transparent and in fact you can not do anything with the creditworthiness at bonify. Nobody accepts the credit rating. No bank, no car dealership, no landlord.
Modest idea implementation well.

Good help for renting, good certificate, landlord was satisfied

Wonderful tool! Finally I have a glimpse of what is happening in terms of creditworthiness. The Schufa is more than "suspicious" and expensive. There's a finance manager on top. Thumbs up, please keep it up!

Problem was solved quickly and competently to full satisfaction. Keep it up!

Offers a great overview of my finances. I've already saved a lot by comparing bonify offers. Is faster than the Schufa and not just once a year for free. Especially the FinFitness with the FinFitness pulse and the tenant information are very practical.

Understand your own creditworthiness and actively improve ... ingenious!

Because it was faster than the Schufa, we tried it with bonify and it made immediately with our dream apartment.
Although there was a small salary problem, it was not to our detriment.
So thanks again, for this fast request and send.

My credit is absolutely NEGATIVE by the "Krueppelentgeld" of GWN Neuss!

Your company is very professional and every question to your company will be answered very quickly, I would like to thank you in this way.

Quick access can be created here. My data is secure and the interface is clear. The service is fast, straightforward and it helps immediately.

Very friendly and competent but the regedtrierung is very complicated.

So I'm happy with the customer service and as an apprentice who is new to the world of work, this app fits to find out how much you can invest without worrying. It looks out for me as well as good offers, with me the statistics are clear ^ - ^) /. I've used this financial app from the start, I'm happy and Bonify learns about your financial behavior and scans your options: P. So I trust the privacy and correct handling of our deposits and withdrawals

Free but to use for little. Unfortunately I could not find any changes over several months when using the APP except that the advertising has changed. All in all, I think you can do without the APP. The only positive thing is that it doesn't cost anything.

I join my "prescriber". I don't usually write reviews online. But here the blood boiled for me!

The whole thing is a joke. My data was not up to date. So I asked for correction. After the correction: I have reported my new address (the one that was reported was three years old!) And the deletion of my trade (announcement that I no longer practice it) caused these changes to lower my score correctly. The company itself is not interested in correcting the data.

Boniversum refers to bonify or Forteil GmbH. After a long "back and forth" with the customer service, I was told that my data could not be changed because no one had checked my credit rating. So you deliberately keep wrong address data! This is despite the fact that I have sent a current registration certificate.
SCHUFA also has a large amount of data, e.g. completed vehicle financing, installment loans, cell phone contracts, credit cards, etc.) In the end there was no address in my profile at all.

Furthermore, according to information, companies have asked about my creditworthiness, which I do not know, such a hotel in Stockholm !? 99.9% of my suppliers (department stores etc.) consult SCHUFA. Reliable and clean credit checks look different!

I deleted my bonify account with immediate effect.
Good idea in theory.
I praise myself a "SCHUFA online account" :-)

I've discovered bonify about Groupon and find the idea to have super access to its own credit rating. In addition, I was able to add more accounts without any problems and thus have the complete overview of the transactions as well as expenses. If you have a problem is a super motivated team behind it which hurries through a chat to help. Bonify is an overview for me to my issues, which are unnecessary? Where can I save? Was there any account movement without me knowing? All that and much more. For that reason I can recommend bonify.

Registration did not work, so my online banking has been blocked. Thank you bonify!

The answer noted.
___________
Misleading
I needed a Schufa information online so that it would be quick for an apartment. bonify shows ads here.
So I signed up. My score at bonify: 89.45%. 'Expandable' or something like that was there.

At Schufa, a score below 97% is already bad. That unsettled me.
I then got the information directly from Schufa. My score: 98.57%.

Why does bonify advertise when looking for a Schufa information that is not? This is misleading!

I deleted the account immediately. Another question is whether my data has been deleted.

0 stars

Very good. Free information about creditworthiness and if you want to broker
Credit institutions

I am very satisfied with the setup and previous use. Inquiries or messages will be answered immediately.

Thank you for the help. Have the accounts set up easily.

Questions are not answered. On demand then comes a succinct answer, I would have received a day before a mail with the answers, which is simply not true. Neither the inbox nor the spam folder had this alleged email.

A good idea, but not really useful as long as only Creditreform is queried. While there are numerous entries at Schufa (completed vehicle financing, account with overdraft facility, credit card, cell phone contract, etc.) and I achieve a passable score of 97.8, there is not a single entry at Bonify, not even an address entry. My score (852) is correspondingly miserable there, which is irrelevant, since obviously nobody is interested anyway.

A super free service gives you a quick overview of your creditworthiness and offers that are perfect for you.

At the moment (July 2016) the information content is very poor. I see, for example a 08/15 score, because I am a completely blank slate for the partner of bonify, the company Creditreform. Aha? I already knew that. Should I choose my current contracts for electricity, insurance and telecommunications more in the future, whether the provider cooperates with Creditreform, so there is a decent data base here in the future?

The website with all functions works both on an Android phone, as well as via Chrome.

Better like the Schufa!
First, the app
Second, better customer service

Wanted to make a short query for landlords. The program keeps jumping back to the login. When selecting the passport while entering the data before entering the TAN. Did that now 8x and shut up. The whole thing on a normal Windows notebook. Absolutely not recommended with this bug !!!

I have concluded a personal bankruptcy, which means that an entry remains in the usual information files for up to three years afterwards.
This is rated as a negative entry, i.e. e.g. getting a loan is an impossibility!
Nevertheless, I have a score of 973 at Bonify, i.e. a very good credit rating.
For this purpose, Bonify overwhelms you with corresponding loan offers, which, however, do not lead to a positive result due to the problem mentioned.
That doesn't give a serious impression ...

I am always very kompedent and good advice. That's why I would like to thank you once! As I am already very old, it is difficult for me to classify everything correctly. Once again, my sincere thanks!

As a banker, I can only recommend carefully considering whether to register with bonify. Yes, it is free of charge but the company reaps your personal data and your account sales data if you have an account. This is how the company ultimately earns its money. That is the other side of the coin.

So your data will be passed on and there will be a typical credit mediation. Furthermore, lending to reputable banks is always carried out with an examination by Schufa and, if necessary, other credit agencies such as Boniversum.

At bonify one is faked, however, an independent score is calculated. This may be the case, however, as already described above, banks work with internal scoring (personal information, previous debt, etc.) and external (Schufa, etc.) scoring, and therefore Bonify's score no longer plays a role in a loan.

I personally see this type of loan brokering as critical and not necessary. That is why I have only one star for this type of business practice.

Bonify is the perfect partner when it comes to your credit rating and your finances (loans). You can always keep an eye on all loans and can even offer even better credit conditions if there is a financial shortage, and if you have a good credit rating. I can only recommend Bonify.

Wrong data used for my account. That does not work and already has a criminal touch !!

This program wants to tell me that I have more monthly expenses than revenue.
I have no negative entries, 0 return debits, etc. and am still among the worst 8%.
Interesting.
No, but no thanks. Account deleted directly.

Very friendly service! Unfortunately, the routines for the tenant information did not recognize my rent payments or my salary receipt and the salary receipt could not be assigned manually. But the clarification of these questions was very competent and friendly over the phone.

I can really only recommend it! Free and great service.

The tenant information is free of charge.
You can see from a point system how high the credit rating is. Unfortunately, this company does not have access to the Schuf information data. A plus point is that the tenant information shows average salary receipts (but only if you always get the same amount on the same date. I get my money at the end of the month, which is why it often doesn't work). You have a lot of advertising, but no costs if you don't accept the offers.

Everything perfect, super quick help, very nice team,

What's that good for ?? The system is faulty. Correct information Nothing, then why do you need Bonify?

Anyone who wants to expand his awareness to the reach of the consequences, it gets here very well represented. Your own possibilities can be realistically assessed and used. Thanks for the app.

Should you close down, 0 entries and still a score is determined? From my scientific experience you can create no statistics without data, apparently you will be forced to enter into contracts with partners of this second largest credit agency, so you can deposit positive results here.

Do external companies only get the bare score here? Or is there at least that there are no data? The former would be sheer fraud or an act of defamation.

To improve his "local score", however, you have the option to close contracts with various companies directly on the site, a rogue who thinks evil.

For a month I use bonify and find everything super so far. I like the categorization of spending and revenue because I can manage my finances much better now. All my financial information is brought together in one place: account balance, account sales (for my savings account and Deutsche Bank account) and credit scores.

Sorry. I'm more than suspect.
If I have to enter my login details of my bank and also the password when registering, that is already a free pass. Why should I make my account available to others for free.
No thanks ..

You enter your PIN for the bank account. Thus bonify has permanent access to the account data and movements. My bank advised me to delete the account and change my PIN. I did it right away.
U N S E R I O S!

No daily comparison of records with Boniversum. This is bad.
Supplement 28.09.2016
Criticisms:
Account information incl. PIN query does not work. Updates are not driven. The specified update dates elapse without result. The advertised financial products do not exist. The changing of data, here obfuscation who was beauskunftet, allows the suspicion of disregard of the BDSG.
I will report that to the Data Protection Officer NRW.

Your offer is impressive, only
-I do not need money.
Kind regards. F. B.

Very clear and always up to date. Free and understandable

If you have a question answer very quickly and very good information more so you can just recommend it

Requires access to the online banking access data including PIN !!!! It does not work anymore! Anyway, I could sleep no more night quiet, if I knew that these are now in any database of a third party ... Variant on verification by SMS with me did not work. Therefore, rather the classic Schufa information.

I have 6 credit cards, 3 of them gold, have 5 accounts, have never received a debt collection letter in my life and have a score of around 98.0 percent with Schufa!
How the hell does this company get me a bad score ???
This is a criminal organization!

Went super fast and is clearly arranged! 5 stars earned ^^

.... just with those, because of a problem, on the phone .... very nice and competent Sophie and the problem was after 3 min. solved !!! That's what I call customer service !!!

Bonify is not up to date when it comes to data records from Creditreform. It is better to order the information directly from Boniversum.
Apart from advertising for loans, I currently don't see any added value at Bonify except that my data is processed there.

Addendum: The error still exists and nothing can be heard from Bonify support after I reported the error.
Boniversum contacted us directly.
Slowly I think bonify is just clicking on Affilate Links.

Simply great! Simple request of the Schufa information and direct transmission of the result. The live chat is great, too! I'm very satisfied :)

When I see how many others have had the same problems, I see that I'm not an isolated case. Both bank details and identity card fail to create the account, although both are absolutely correct after several attempts. Actually impossible that a service of this kind such errors already in the attempted account creation permits. That makes mistrust or panic rise in me.

Bank details, identity card, etc. Everything is a bit dangerous I think. I would never give you this data

I imagine just what I have to sign up for when it is free !!!!!

Foreigners can not register, new banking procedures have been charged, but "we are not excluding anyone". Passport not enough ID card. What?

Very great and dear employees! I understood and looked after felt great. Thank you!! Only recommended.

User interface of the platform super. Linking my account seems to be updating upon login or by reloading the page, so no day update, cool!

I know that there is currently an up-to-date entry with me, but this is still (?) Not visible, an update will probably take place on 08.08. instead, I'm curious what is there. Too bad, had thought that this is so fast.

The in-and-out analysis is ingenious, including the 99% correct categorization of the amounts. The Kontoradar I found only by Rumgeklicke and wants to test September. I know you wanted to keep the menu very simple but the Kontoradar can become THE thing for you! That's why I set the rating low enough for you to read the proposal. Once an answer comes, I set it to four stars that you have earned.

EDIT:
Answer is done, even by PM with cool friendly and cool handling. 5 Stars.

My initial skepticism has since been eliminated. Very great app. the total creditworthiness with all data perfectly listed. Better than the Schufa You will be informed immediately about any change. Also the financial situation with all own account balances, clearly and clearly arranged. Only the announced charges appear after the booking. Then your own bank app is in demand again.