I'd expect the logic backing a legacy/old school company like this would turn out to be an expert system. If that's the case, and you have a LOT of data, you'd likely get very far by just feeding a bunch of SCHUFA applications and resulting scores into SKL's decision tree classifier.
They are easy to visualize, they likely model what's going on behind the scenes, and it takes very little effort to give it a try.
I'd expect the logic backing a legacy/old school company like this would turn out to be an expert system. If that's the case, and you have a LOT of data, you'd likely get very far by just feeding a bunch of SCHUFA applications and resulting scores into SKL's decision tree classifier.
They are easy to visualize, they likely model what's going on behind the scenes, and it takes very little effort to give it a try.