What is my SCHUFA score?

There is a way to query your SCHUFA Score for free: The self-report according to Article 15 of the General Data Protection Regulation. With the entry into force of the GDPR, a new right of access for consumers also applies. All companies, including credit agencies, are obliged to send you all the information stored about you. You can get a free-copy of your SCHUFA report here.

First of all, you have to differentiate between your base score and your industry scores. The SCHUFA basic-score is primarily intended for your eyes only. This is the score you get with your self-report. The score expresses the probability of a reliable repayment. A high value stands for a low default risk.

With a SCHUFA score of over 97.5, for example 99, you belong to the group with the lowest risk of default. For example, if your SCHUFA score is 97 then you will not count to the first category.

SCHUFA also creates industry scores, which are also part of your self-assessment. These scores are specially tailored to the needs of different industries, such as the SCHUFA score for telecommunications companies.

The industry scores are calculated differently depending on the industry. The scores are divided into rating levels from A to P.

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