How do I get free data
What is a SCHUFA self-assessment and how can I get it for free?
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The SCHUFA self-assessment shows you how SCHUFA assesses your payment behavior. You have the right to one free data copy per year. We explain to you how you can get the SCHUFA information free of charge and why it is so important to check your own information!
What do you need a SCHUFA self-assessment for?
With the SCHUFA self-assessment you can find out how business partners from various industries assess your creditworthiness. Above all, however, you can check whether the data that SCHUFA has created about you is correct. In fact, it is not so rare that SCHUFA has incorrect or outdated creditworthiness data. With the free self-assessment you can check this and have incorrect data deleted or corrected.
Please inform SCHUFA about this by referring to § 33ff. BDSG. If the check reveals that the information is demonstrably incorrect, it will be corrected. The data concerned will be blocked until clarification.
What information does the free SCHUFA self-assessment contain in detail?
With a SCHUFA self-assessment you can obtain a free assessment of how creditworthy you are for business partners from various industries. If they obtain a credit report about you from SCHUFA, the result is based on this data:
- Data copy of all personally collected data as well as data from business transactions
- Mention of the sources from which these data originate
- List of third parties to whom SCHUFA has forwarded the data
- Information about your current SCHUFA score, each shown for individual sectors such as telecommunications companies, mail order companies or banks
How do I read the SCHUFA information correctly?
Your SCHUFA self-assessment is divided into three parts. This is what the information in your data copy means:
Part 1 - personal data:In this part you will find your customer number (SCHUFA data record number) as well as your name, date of birth and the current and all saved reporting addresses.
Part 2 - credit history with base score:This part lists all third parties in text form who have requested credit information from SCHUFA, as well as the reason and date of the request. At the end you will find the base score: It indicates the probability with which you will meet payment obligations in the eyes of SCHUFA.
Part 3 - Table part with individual score values:There are two tables here. The first shows the score values of all companies that have submitted information about you to SCHUFA in the past 12 months. A second table provides detailed information about the individual score values that you achieve in various industries and business areas. The spectrum ranges from banks to telecommunications companies and mail order companies. Because different industries apply different criteria to possible contractual partners: A manual contract is usually easier to pay than four-digit installments for a building loan.
What alternatives are there to the free SCHUFA self-assessment?
In addition to the free SCHUFA self-assessment (data copy), SCHUFA offers "my SCHUFA packages" for a fee. Sometimes these can be combined with various subscription models. You will find an overview including the prices below.
SCHUFA credit check
SCHUFA credit check for € 29.95 once. Specially designed for submission to landlords as proof of your own solvency. You only need to provide a few details and can call up the document within a few minutes even when you are on the move.SCHUFA credit check
SCHUFA credit report
The SCHUFA credit report for € 29.95 once: You can use this information for the landlord or a business partner. You will receive a certificate confirming your financial reliability. There are explanations and further orientation values.to the SCHUFA credit report
MeineSCHUFA compact for € 3.95 per month (+ a one-time fee for activating online access of € 9.95): You can request information about your data by phone or online. You will also be informed of any changes.to MeineSCHUFA compact
MeineSCHUFA plus for € 4.95 per month (+ a one-time fee for activating online access of € 9.95): In addition to querying your data by phone or online, you will receive help with identity theft and misuse of your data on the Internet .to meinSCHUFA plus
MeineSCHUFA premium for € 6.95 per month (+ a one-time fee for activating online access of € 9.95): With this package, you can also request all services for a second person and you will be contacted in the ServiceCenter of the SCHUFA is given preferential treatment.to meinSCHUFA premium
When do I have a good credit rating at SCHUFA?
The SCHUFA score consists of several individual values. The value that helps you with the self-assessment is the so-called base score. It describes the percentage probability with which, from SCHUFA's point of view, you can settle a transaction or a loan in accordance with the contract.
The base score is recalculated every quarter. It is between 0 and 100 - the higher the better! A base score above 97 is considered very good because it means that you have a 97 percent chance of paying. A base score between 90 and 95 indicates a satisfactory to already increased risk. Below 50, you are considered very critical. It should then be quite difficult to find a contract provider at all.
Good to know: The higher your SCHUFA score, the better your creditworthiness and vice versa. However, there is no uniform score that applies to all contract types. Not only every industry, but also every company defines its own criteria according to which a contract is concluded. However, the better your score, the cheaper the conditions are usually, such as the interest on an installment loan.
How can I improve the result of my SCHUFA report?
There are a few ways to keep the SCHUFA score good or to optimize it. The prerequisite is always: Keep track of your financial situation!
- Make sure that income and expenses are always in balance.
- Pay bills on time and meet other financial obligations promptly. In this way, reminders and debt collection letters can be avoided - ultimately bad data at er SCHUFA.
- Accumulating many different reporting addresses over the years also has a negative effect on the SCHUFA score. Reason: suspected risk of blackout! If you can somehow avoid it, do not always re-register if you move frequently.
You can find more tips in our article Improving the SCHUFA Score.
SCHUFA and data protection: When will my self-disclosure data be deleted?
SCHUFA is allowed to save some of the data listed in the self-disclosure for several years. The “necessity” is always decisive. There are standard deadlines for checking this requirement. The basic storage period for personal data is therefore 3 years, as the SCHUFA writes. Deviating from this, the following applies:
- Current account: immediately after termination
- Credit card: immediately after cancellation
- Mobile phone contract: immediately after termination
- Guarantee: immediately after termination
- Self-assessment: after 1 year
- Installment loan: 3 years after repayment
- Reminder notice: at the end of the 3rd year after all claims have been settled
- Late payment in installments: at the end of the 3rd year after all debts have been repaid
- Enforcement: at the end of the 3rd year after all claims have been settled
- Affidavit: at the end of the 3rd year after payment of all claims
- Non-contractual behavior with current accounts: at the end of the 3rd year
- Non-contractual behavior with credit cards: at the end of the 3rd year
- Non-contractual behavior with mobile phone contracts: at the end of the 3rd year
- Non-contractual behavior in loan agreements: at the end of the 3rd year after repayment of all claims
- Bankruptcy: at the end of the 3rd year after the end of the proceedings.
When looking for an apartment, landlords often ask for information about the tenant's creditworthiness. With the "SCHUFA credit check" you can immediately generate a PFD and present it to the landlord when viewing the apartment. Unlike the free personal information, the credit check only contains information that is relevant for the landlord.
Current conditions installment loan
Representative example according to §6 PangV: net loan amount € 10,000, 84 months term, effective annual interest rate 4.24%, tied borrowing rate 4.16%, processing fee none, total amount € 11,543.68, OFINA credit, status: today
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