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.

SCHUFA also creates industry scores. These scores are specially tailored to the needs of different industries, such as the SCHUFA score for mortgage repayment.

The industry scores are calculated differently depending on the industry. The scores are divided into rating levels from A to P. A copy of the scores sent by companies in the past 12 months and submitted by SCHUFA, is included with the free copy of your personal data (pursuant to Art. 15 DS-GVO). You can in any case obtain the industry specific scores when you request the (not for free) SCHUFA-BonitätsAuskunft.

Looking for a mortgage?

Use Hypofriend's affordability calculator to see what you can afford based on your personal situation.

See what I can afford
MichaelMichaelMichael

How can we help?

Speak to an expert

Certified by

Covered by

GDPR Standards

EN

 / 

DE

Certified by

Covered by

GDPR Standards

EN

 / 

DE