What is “Schufa” and why do I need it?

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While renting an apartment, your landlord may 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.

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.

Essential information about Schufa

Why do landlords demand a Schufa statement?

Step by step to a cost-free Schufa report

Do I have to submit the Schufa statement?

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 ("Datenübersicht nach § 34 Bundesdatenschutzgesetz"). Here you can find the order form for the cost-free Schufa report in six languages