It may be challenging to get a loan with an extremely negative Schufa (credit score) as most traditional lenders rely heavily on credit scores to assess a borrower's creditworthiness. However, there are alternative lenders or specialized financial institutions that may offer loans to individuals with poor credit scores, but these loans often come with higher interest rates and stricter terms. It is important to carefully consider the terms and conditions of such loans before proceeding to ensure that it is a viable option for your financial situation. **

It is possible to get a loan in Germany with a negative credit history, but it may be more challenging. Lenders may be hesitant to approve a loan for someone with a negative credit history, and if they do, the interest rates may be higher. It may be helpful to provide collateral or have a co-signer with a good credit history to increase the chances of getting approved for a loan. Additionally, there are specialized lenders who offer loans specifically for individuals with poor credit, but these may come with even higher interest rates. **

The credit is positive. **

It is unlikely that you will be able to order online on account with a negative credit check. Most companies use credit checks to assess the risk of offering credit to customers, and a negative credit check indicates a higher risk of non-payment. However, some companies may offer alternative payment options or require a deposit to secure the order. It is best to contact the company directly to inquire about their specific policies for customers with negative credit checks. **

No, too many returns in online shopping do not have a direct impact on your credit score. Your credit score is based on your credit history, payment history, credit utilization, and other factors, but not on your shopping habits. However, consistently returning items to the same retailer could potentially lead to them flagging your account for excessive returns, which could result in restrictions or account closure. It's always a good idea to review a retailer's return policy before making a purchase to avoid any potential issues. **

It is generally not ethical or recommended for an online shop to downgrade negative reviews. Doing so can damage the trust and credibility of the business with customers. It is important for businesses to address negative reviews constructively, by responding to them professionally and attempting to resolve any issues raised by the customers. This approach can help build trust and loyalty with customers, even in the face of negative feedback. **

A credit card is considered positive when it is used responsibly and paid off in full and on time each month. This can help build a positive credit history and improve your credit score. On the other hand, a credit card is considered negative when it is used irresponsibly, resulting in high balances, missed payments, and accumulating debt. This can have a negative impact on your credit score and financial well-being. **

If you have a negative Schufa score, it may be challenging to get a traditional loan from banks or financial institutions. However, there are alternative lenders or online platforms that offer loans to individuals with poor credit history. These lenders may consider other factors such as your income, employment status, and ability to repay the loan. It's important to compare different options, be transparent about your financial situation, and consider improving your credit score over time to increase your chances of getting a loan. **