In order to determine whether you can be offered an overdraft with Solaris SE and to determine the amount, Solaris SE performs a credit check (analysis). 

First, the account movements on your Tomorrow account of the last 90 days are considered. This includes e.g. your account balance or regular incoming payments. In addition, Solaris queries your current SCHUFA score. The inquiry does not affect your SCHUFA score yet, but may show up in your SCHUFA report.

If you receive an offer for an overdraft and decide to activate it, Solaris will also inform SCHUFA.