Hi Jim, I'm sorry but I'm not too familiar with the workings of credit history and reporting in Germany, so I'm afraid I won't be of much help there. If you log into your N26 account on your computer (not app), you should see a support chat option in the lower right corner, at least during N26 business hours. I think that would be a good place to ask your question #1 at least.
Happy easter!
Thomas