In the first part, we explained why the SCHUFA collects data and that this data is sometimes incorrect. You have also learned about the federal data protection act that grants you free access to the data.
On this page, you will learn how to get your free Schufa-overview and how the overview looks like.
How to get your free Schufa-overview!
The SCHUFA (credit investigation company) offers different chargeable services to access the data. However, the Federal Data Protection Act (Bundesdatenschutzgesetz, short BDSG) entitles in § 34 everyone to one free inquiry per year.
Step 1: Printing and filling of the sample letter
You can download a sample letter in English or German, which we have already prepared as a PDF document. After printing the document, you can fill the date, your name and address as well as the information on your birth date and place of birth.
Important: Do not forget to sign at the bottom of the page.
Step 2: Copying your ID-card or passport
Attached to your inquiry, you must send either a copy of your German ID-card or your passport and a registration certificate to the Schufa. This is necessary in order for the SCHUFA to verify your identity, because an unauthorized stranger shall not receive such detailed information about you.
In the copy of your ID, your name, full address, date of birth and place of birth has to be readable. Other information, such as your photo, information on your height or colour of your eyes can be made unreadable.
Step 3: Submitting
Insert the signed inquiry and a copy of your German ID-card (or passport and your registration certificate) in an envelope, stick a stamp on it and send it to:
SCHUFA Holding AG Postfach 10 25 66 44725 Bochum Germany
The answer of the Schufa
You will have to wait several days or a few weeks until you get an answer. The letter of the SCHUFA will contain
- a cover letter with information on how to report incorrect information
- a list of your reported account information, credit data, telephone contracts…that is stored at the SCHUFA
- a list of the transmitted probability values from the SCHUFA to companies of the last 12 months
- information on the SCHUFA and on the meaning of stored data
Bonus: The meaning of the base score (Basisscore)
The base score is part of the SCHUFA data. The scores express, how likely it is for the SCHUFA that you will pay a loan on time. In the mentioned example, the base score is 98.81%. This is a very good value. The SCHUFA distinguishes six levels of risk:
- > 97,5 %
- very low risk
- 95 % – 97,5 %
- low to comprehensible risk
- 90 % – 95 %
- satisfactory to increased risk
- 80 % – 90 %
- significantly increased risk to high risk
- 50 % – 80 %
- very high risk
- < 50 %
- critical risk
The base score is a guide value for you as a customer. However, the SCHUFA does not only provide companies with a single value, but determines different values depending on the industry. This is understandable, as the prospects of reliably paying a mobile phone bill or paying a house loan of several hundred thousand Euros may be different.
The SCHUFA also lists the data that has been transferred to companies within the last 12 months. In my self test, no data was transferred, so the table remains empty.
Images: Bundesrepublik Deutschland, Bundesministerium des Innern (ID-card), SCHUFA