Lack of Transparency
As a new business owner, I tried to obtain a guarantee for my commercial lease through my VR Bank via R+V. The process was extremely frustrating and confusing.
At first, my application was rejected, supposedly due to creditworthiness issues. In reality, I was not even listed with Creditreform. After contacting them, an entry was created for me. Shortly after, I received a second rejection, again citing negative credit, but without any detailed explanation. Only after following up directly with Creditreform did I learn that they do not provide scoring for startups.
Throughout the process, information from employees was contradictory and vague. It felt like the staff were simply passing documents back and forth, without providing clarity or guidance. I waited over three weeks for a decision that could have been avoided with transparent communication.
Startups deserve clear, accurate information from the beginning, so they can explore alternatives in time.
22 October 2025
Unprompted review