Quick Answer
- What it is:
- SCHUFA Credit Score — Free Report & Disputes — a finance procedure in Germany.
- Deadline:
- 30 days
- Steps:
- 5 steps
- Cost:
- Free
- Documents:
- 4 required
- Legal basis:
- DSGVO Art. 15
Important Deadlines
SCHUFA must respond to data access request within 1 month
SCHUFA must respond to correction request within 1 month
Negative entries deleted 3 years after debt was settled
Required Documents
- ✓Personal ID (for identity verification)
- ✓Current address
- ✓Previous addresses (if recently moved)
- ✓Documentation proving incorrect entries (for disputes)
Step-by-Step Guide
Request your free SCHUFA data copy (Datenkopie nach Art. 15 DSGVO) once per year.
Pro tip: The FREE version is called 'Datenkopie' — not the paid 'BonitätsAuskunft'. Go to meineschufa.de → 'Datenkopie bestellen'.
Review all entries: open accounts, credit history, negative entries (Negativmerkmale).
If you find incorrect entries, file a correction request (Korrekturantrag) with SCHUFA.
Pro tip: Under GDPR Art. 16, SCHUFA must correct inaccurate data. They have 1 month to respond.
For a landlord or employer: request the paid BonitätsAuskunft (EUR 29.95) which shows a condensed credit summary without sensitive details.
Negative entries are automatically deleted after set periods: 3 years for paid debts, immediately for incorrect entries.
Fees
Legal Basis
Also Known As
This procedure is commonly searched under these names:
Official Resources
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