In October 2007 – I was just through the door of my apartment, having a letter in my hand. From an insurances company I had just signed a contract for a private liability insurance. I signed it online being sure I will not have any issue getting the contract signed from them as well. Costs were about 50 € per year. Even for me as a student: no biggy to pay. But I was living in Berlin Neukölln (before it got super hipster-ish) and was a student with low income. I never had any debt in my life. I always paid my rent and bills with German punctuality. But it happened – I didn’t get the insurance I signed up for. I received a big fat NOOOO! No explanation. It must have been the scoring agency telling them this girl is not living in the right corner of Berlin.