Drag the slider to your Basisscore (0–100). Get the rating band, the default-risk orientation value, typical rental and loan outcomes, and the top actions to improve — ordered by impact. No signup. Share the result with your partner on WhatsApp.
A
97.5+
B
95+
C
90+
D–E
80+
F–L
50+
M–P
0+
Your score: 92
Above-average score. Approvals are the norm; some premium lenders may ask for extra income proof.
Rental applications
Typically approvedLoan applications
Typically approvedWhat to do — ordered by impact
Order your free annual Datenkopie (Art. 15 DSGVO) to see every entry SCHUFA holds on you.
Dispute incorrect or outdated entries in writing — SCHUFA must investigate within 30 days.
Close dormant accounts (credit cards, old phone contracts) you no longer use — fewer open lines can lift the score.
Avoid opening new credit lines or running many loan inquiries in the 3 months before a big application.
Upload your Datenkopie for the full breakdown.
Clario highlights every negative entry, flags incorrect ones, drafts the dispute letter to SCHUFA, and tracks the 30-day response window. Free forever for basic use.
Start freeThe default-risk % is SCHUFA's published Orientierungswert for the band — a population-level figure, not your individual probability of default. Rental / loan outlooks are qualitative market observations, not SCHUFA data. For material decisions, order your Datenkopie free under Art. 15 DSGVO and consult a Schuldnerberatung.
Nothing is saved. Upload your full Datenkopie to get Clario's negative-entry scan, auto-drafted Widerspruch letter, and 30-day deadline tracker — sign up free.
Understand what your score number actually means — from "excellent" to "very risky" and everything in between.
See exactly which entries are hurting your score: late payments, too many inquiries, or negative records.
Get personalized, actionable steps to improve your Schufa score over the next 3-6 months.
Know if your score is strong enough for apartment applications and how to present it to landlords.
Find out which banks accept your score range and how to open accounts without Schufa issues.
Check if your score qualifies for phone contracts, internet plans, and financing options.
97.8%
Of Germans have a Schufa score
9.3M
Negative entries on file
0-100
Score range
Stop guessing what your Schufa report means. Upload it once and get a clear, actionable explanation — no German required.
Decode Your Score Now — Free