I'm having a decent score in Germany of 97 (95+ is very good), which is done by a private company and not the state.

The calculation behind can't be really seen, but the factors are known that influences it. If I move much, I lose points, if I live in a good neighbourhood I win points. A number of bank accounts can drag my score up or down. Open credits, for what the credits are, and the payments for them, all have an influence.

As I'm a foreigner, that lived only for 8 years in Germany and moved 7 times, I get minus points for that. As I have invested and have good credits, I get plus points. No overdue payment and a good salary is also helping. I want to got to 99, but this will take some years and will need some other stuff in my life, which I can't afford now. :)

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