How do I get SCHUFA for free?

Now let’s jump into the things to do to get your Schufa score!

  1. Go to the Schufa website (
  2. Click on „Auskünfte“ (Information) in the top right-hand corner.
  3. Click on „Datenkopie nach Art.
  4. You will receive a selection of 2 products: „Auskunft online“ (Information online) and „Datenkopie nach Art.

How do I get SCHUFA instantly?

Apply in Person at a Bank If you are in a time crunch and need your SCHUFA report immediately, your best bet is visiting a bank. It does not matter if you do not have a bank account with these particular banks, they will still be able to process your SCHUFA for you.

How do I get my SCHUFA credit report online?

How to order free Schufa report?

  1. Select the correct application. In the Schufa website, look for the option “Datenkopie (nach Art.
  2. Fill the form. Enter your personal details, including your registration address and your previous address.
  3. Upload documents.

How do I get a SCHUFA report in Germany?

Every German resident is legally entitled to receive one free SCHUFA record per year, to see what data is being stored. You can request it on the official website, and it is called Datenkopie (data copy). Click on ‘Jetzt bestellen’ in the right column and enter your personal information on the next page.

Is BLZ and BIC same?

As has been pointed out, BLZ is the sort code, Kontonr is the account number, IBAN is the International Bank Account Number, and BIC is the Bank Identifier Code.

What is a good credit score in Germany?

Generally, a SCHUFA score above 90 is considered to be a good one. However, you should know that a SCHUFA score of 95 % and below already indicates a certain level of risk to financial institutions, companies offering financing terms for products and of course, most importantly landlords.

Does N26 report to SCHUFA?

Earlier, N26 did not make a credit check or record the account on your credit history. However, since 2016, N26 is a full-fledged bank and checks your credit score prior to opening the bank account and record it on your Schufa account.

What is a good Schufa score in Germany?

You should strive to maintain a SCHUFA score of 97 % or better. This way you will not run into problems with the bank or landlords in the future. Generally, a SCHUFA score above 90 is considered to be a good one.

How do I get Schufa credit check?

6) How do you get a SCHUFA credit report as a foreigner?

  1. Go to the providers’ online form e.g. or
  2. Fill up the online form.
  3. Upload proof of your identity (copy of the passport or Meldebescheinigung)
  4. Make the payment (standard cost is €29,00 with all providers)

What is BIC code Commerzbank?


Is BIC mandatory?

The SEPA Regulation states that the use of the IBAN and BIC is mandatory when making SEPA compliant payments and SEPA compliant direct debits. The IBAN is always mandatory.

Can foreigners get a schufa score?

6) How do you get a SCHUFA credit report as a foreigner? You can request a SCHUFA-BonitätsCheck from several online services in Germany. Usually, it works in the following simple steps: Go to the providers’ online form e.g. or

How do I keep a good Schufa score?

To keep a good SCHUFA score (above 90%), those are the few recommended things: Don’t open too many bank accounts in different banks and limit the amount of credit cards you own Don’t switch bank account too often If possible, try to keep healthy reserve in the accounts you own Pay your bills on time

Does Schufa bonitätsauskunft include credit score?

But the Schufa Bonitätsauskunft only indicates if it is positive or not, it does not include personal information or the credit score. Therefore, providing the information on the free report to an unknown third party is risky and can lead to identity theft. How to order free Schufa report?

How do I get a Schufa for free?

Getting a Schufa for free. You can request one free Schufa per year from You need to fill the form and send it by mail along with copies of your passport and residence certificate (the Anmeldebestätigung or Meldebescheinigung you get from the Anmeldung). Some time later, you will receive a SCHUFA-Datenübersicht by mail.

How do I get my Schufa datenkopie?

Fill the form with your information and submit it. You can include scans of your passport and Meldebescheinigung, but it’s not required. You will receive your Schufa Datenkopie by mail a few days later. You can only get it by mail.