The landlords often ask for a Schufa statement, to assure that you, as a tenant, can pay the rent regularly and on time. Some of the landlords or the property management demand to see your Schufa statement at the first inspection of the rental. Others ask for Schufa statement along with other documents, at the latest, when you apply for the apartment.
What is “Schufa” and why do I need it?
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While renting an apartment, your landlord will most probably ask for a Schufa statement. If you ask Banks for a loan, they will make a Schufa inquiry before they decide your request. Even if you buy a cell phone or lease a car, your contract usually includes a Schufa-related clause.
All this has to do with a company called "Schufa Holding AG". Schufa Holding AG is a credit investigation company which collects information from consumers and companies involved in the lending process. Schufa Holding will review your past payment history, and forecasts your payment behaviour in the future in the form of figures ("Schufa score"). This process is called credit rating.
Schufa Holding AG demands money for the credit report. However, according to German law, you are entitled to receive a free Schufa report once a year. Doing so will help you check what information is stored, where it came from, and to whom it was forwarded. We have created an animation video to show you how to get a free Schufa in a few steps.
Important: Some loan sharks may offer you money without a Schufa inquiry in newspaper ads or on the Internet. Do not fall for it! A majority of these offers are fraudulent.
What do I need to know?
Why do landlords demand a Schufa statement?
How can I obtain a Schufa report for free?
Do I have to hand in a Schufa report?
What is a Schufa inquiry?
What is a „Schufa clause“?
Which data does Schufa Holding AG store?
How does Schufa Holding AG gather the data?
How can I correct an error in my Schufa record?
According to the law, you are entitled to receive a free Schufa report once a year ("Datenkopie nach Art. 15 DS-GVO"). Learn how in section “How can I obtain a Schufa report for free?”.