What is SCHUFA : your credit record

SCHUFA Holding AG is the name of a private company keeping credit records of individuals in Germany.

What is schufa


What is SCHUFA : a somewhat intrusive credit record

The company will track all bills or  fines you might have left unpaid and put them in your credit record history. That’s why people say “SCHUFA” , they often mean the record held by the company.

Your record will be check by companies like Deutsche Telekom when opening a phone account or by your bank when you apply for a loan. They will then be able to tell if you have debts or not and if you can be trusted as a customer.

The company is basically rating your ability to pay your bills. This record (called SCHUFA Auskunft) will follow you everywhere as consumer in your everyday life, you‘d better keep it clean !

As a foreigner, it will be automatically created when you have completed your Anmeldung at the Bürgeramt, opened a bank account, and subscribed to a first contract like for an internet line for example.


What is SCHUFA : an efficient way to limit your debts

The cleanest SCHUFA score you get at the beginning is rated at 100% . If you don’t pay your bills, this score will decrease accordingly to how much you have been naughty. If it does, it can limit your ability to undertake other contracts which can be frustrating. However, this system is preventing that you become overwhelmed by debts overtime. However, even if you pay all your debts, your score will go down a few percents for some reason. It is completely fine to have score down to 92% for example.

Dont forget to pay on time !

That’s not all bad you see ?! Schufa actually stands for : “Schutzorganisation für Allgemeine Kreditsicherung” which roughly translates to “organisation for general credit safety protection”

As a foreigner, try to “populate” your record with positive entries by paying your phone bills, electricity and gas bills  and so on. It will come handy when you will want to apply to a loan in the bank. In my experience, even if you have been for a while in Germany, if your SCHUFA Auskunft doesn’t look clean, it will be hard to convince your bank.

Landlords ask also very often your credit record to be able to rent a flat.

What should i do if i get a negative entry in my SCHUFA record?

Their FAQs on the matter is not giving any magic formula unfortunately. The only thing you can do is try to resolve the cause of that negative entry as soon as possible and keep the rest of your financial related affairs in order. This mainly means paying all your bills and credits in time, and never use your overdraft possibilities if possible.

Negative records are impacting your score up to 3 years after you resolved your unpaid bills case and it can be kept as a “FYI side note” for up to 6 years overall. Here is a more detailed table.

Information entryHow long it stays in your record
Entries about credits / loans3 years after paying it back
Credit / loan requests12 months after request
Entries about your current bank accounts and credit cardsWhen closing the account
Requests from third-party companies12 months after request at the latest.
Entries about paying your bills late3 years or 4 years in case of unresolved disputes or longer sometimes.
Entries coming from the Amtsgericht concerning your possible debts3 years or sooner if debt has been declared resolved by the Amtsgericht.
Customer accounts with third-party companies3 years

How do i keep my score high?

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
  • Check your SCHUFA-score once a year and correct any mistakes you might see

Help, i am stuck: I need a SCHUFA record to rent a flat, but i can’t get one until i’m registered somewhere

This is typical chicken-&-egg situation for many foreigners moving to Germany: landlords ask for a SCHUFA record for you to rent their flat, but you don’t have one since you are not registered (Anmeldung) and can’t open a bank account… because you don’t have a place yet. If you are in this situation, you might want to go for a flat share (WG) and register there until you find your own place. You can also turn to services like Wunderflats, which lets you rent furnished flats without a SCHUFA record.

Tip 1 : You can order a record from the company directly on the following website. It costs only 24,95€. (click on Bonitätauskunft on the homepage) : https://www.meineschufa.de/ . Some Postbank centers do offer to print one for you on the spot as well for the same fee. No need to be a Postbank customer.

However, you are entitled to one free record per year that you can also get from the same website here. On this page, click “Jetzt bestellen” on the right “Datenkopie (nach Art. 15 DS-GVO)” column. Enter your data on the page that follows. You will be able to upload a copy of your passport (“Dokumentupload” > “Kopie des Reisepasses”) and a copy your Meldebescheinigung with it.

Tip 2 : The SCHUFA will hold information about you long after you leave Germany and at a European level too. If you plan to leave unpaid bills behind and then come back to Germany, you might have to think twice before doing it. It could become harsh back fire in the near future.

Tip 3 : This system makes that your personal wealth, your personal property or yearly income doesn’t have any influence on your record ! You could be the richest man in the world but still have the worst record if you didn’t pay your bills. Just bear that in mind.


  • Reply Eman 20/04/2019 at 17:21

    Hi bastion
    I want to ask I am applying for German citizenship and I have till this day positive Schufa and before that i lived in Austria I doubt may b if I forget to pay anything there or I have negative schufa there is my citizenships will b rejected because till now I have now everything positive…if I have German Schufa positive does that mean all over Europe also positive or what can u please explain
    Than you

    • Reply Bastien - Settle in Berlin 22/04/2019 at 20:15

      Hey Eman. Your comment is not very clear. If your Schufa score is good, then what is the worry?

  • Reply Page 15/04/2019 at 15:39

    Hey Bastian. Thank you for creating this resource it has been so helpful. I have just received my current SCHUFA – we are moving out of our current flat and into a new one hopefully. But this new SCHUFA has our very first address on it and NOT our current address? Why is that? Is this normal for a SCHUFA to only show your very first address in Berlin and not your current address? My Bank Account is registered to our current address and we registered/Anmeldung again once we moved into our current address but it still shows the first address we lived at when first moving to Berlin. Does this matter to a Rental Company or is their main priority just to see if it is negative or positive, would you know that?

    • Reply Bastien - Settle in Berlin 18/04/2019 at 09:57

      Hey Page. That is weird. You could contact SCHUFA directly to rectify this if you wanted. I think a rental company only cares about the score.

  • Reply PB 10/02/2019 at 15:35

    HI Bastien,
    I am living in Germany for 2.5 years now, with a completely clean Financial Record. Very recently, my Electricity provider gave me a bill for payment on account of excess usage in the last year. I checked the invoice and had some doubts about the correctness of their calculations. According to my calculations, I did not overuse at all – compared to my original estimate. So I called up their customer care and spoke to one of their executives. He to was unable to answer my question satisfactorily. So he took down a request to recalculate my invoice. He said I would get the new invoice in 5-10 days. I am still waiting for the new invoice.

    But meanwhile, the due date of the original Invoice went by and I am still waiting for the new invoice to know the correct amount that I have to pay. However, yesterday I received a reminder (“Mahnung”) from the electricity company that my due date is over. Once I realized that they we still expecting a payment as per the old invoice (while they work on a new one), I immediately cleared the payment (5 days late).

    My question to you is – could this have any impact on my Schufa? If so, is it correct? If I have doubts about their calculations, and have requested a re-calculation, shouldn’t I get the chance to wait till the new invoice is ready?
    Secondly, if it does impact my Schufa, how to correct it and how long does it take?

    Any advice on this would be really appreciated.


    • Reply Bastien - Settle in Berlin 12/02/2019 at 09:53

      Hey PB. I can’t really answer those questions. It’s all up to SCHUFA and your provider’s internal processes. Only way to know is to check your record. How to correct it is indicated in this post.

  • Reply random_user 03/02/2019 at 20:53

    Hi Bastien,
    I have a low credit score for not paying ZDF. I got a letter from bailiff which I ignored as some friends suggested. I am ready to pay it and fix my score.
    I have all the information from bailiff and government law portal.
    Could you provide or redirect me to someone who will handle this matter? If you can do it for me, could you also write me the price?


    • Reply Bastien - Settle in Berlin 08/02/2019 at 11:35

      Hey there. Sorry, i cannot provide any legal or representation services at this point, nor can i recommend one. Good luck with this!

  • Reply Abhishek 29/01/2019 at 14:00

    I am looking to settle in Berlin and have myself registered(Anmeldung) at a temporary place. I have got a German mobile number, bank account, job contract and a letter from the company HR confirming the source of funds and employment. Is this information sufficient in the beginning to rent a flat in Berlin. Since, I have relocated few days back only the SCHUFA will not be there.

    • Reply Bastien - Settle in Berlin 31/01/2019 at 15:10

      Hy Abhishek, you are right. Your SCHUFA record won’t show much i’m afraid. So it basically depends on the landlord/Hausverwaltung, how they do about it.

  • Reply Tito 08/01/2019 at 04:20

    I was living in Germany as a student between 2002 and 2006, I left in 2006, for couple of weeks while there was an unpaid balance in my American express card of 350 euros. I had the money in my sparkasse bank account. My plan was to pay the money when I get back. The problem is that I could not get back to Germany again. I send the transfer form to my bank by mail to pay the credit card balance but never follow up with my bank nor with amerivpcan express to see if everything was done perfectly.

    My question is what is the situation if something wrong happened with this transfer and the money did not move from my bank account to my American express credit card account??

    Does it still exist in the Shufa record ?
    And should I expect troubles in my certificate of conduct or getting visa to Germany??

    I’m currently living out of Germany and couldn’t get Shufa record online because it allows only payment by German banks.

    • Reply Bastien - Settle in Berlin 08/01/2019 at 14:13

      Hey Tito. In short, maybe, maybe not. There are too many parameters in this story. Only way is to check your record. unfortunately. Good luck with this!

  • Reply Damian Beneyto 03/01/2019 at 22:36

    Hi! I’ll be moving to Berlin sometime in March and I’ve got a question regarding the SCHUFA. If I share an apartment, even if I had a job contract and my Anmeldung, I might not have any other contract (internet, phone – I just might use my Spanish number, or any other bills). In this case, will a SCHUFA be automatically created as well? Thanks a lot for your help!

    • Reply Bastien - Settle in Berlin 05/01/2019 at 12:21

      Hey Damian. When you request your SCHUFA record, it might then just say that there is nothing on you then. Have you opened a bank account here at least?

  • Reply George 27/12/2018 at 20:09

    Hi, Sir, if incase my schufa Scorer is Bad in Germany, will it still show if i move to other European country like Britian or France?

    • Reply Bastien - Settle in Berlin 29/12/2018 at 20:43

      Hello Georges. SCHUFA is only really used in German speaking countries (= Austria, Germany, some parts of Switzerland), so no one cares about Schufa score in the UK or in France.

  • Reply R 18/12/2018 at 11:55

    I had a Schufa entry stating I cleared the credit card balance amount this January and I have a job that pays decent salary. I believe I won’t have any Schufa score for the next 3 years and from that point Schufa start at a minimum score and gradually increase. Am I right?

    If I take a bank loan and repay correctly will that have a good effect on my score or the payment gives some relief and the creditors will look into it.

    • Reply Bastien - Settle in Berlin 22/12/2018 at 22:02

      Hey R. You have a SCHUFA record no matter what. Regarding the rest, i don’t have the insider knowledge of your bank to being able to tell. I guess it varies on your current score, the loan amount, etc…

  • Reply Preet 03/12/2018 at 00:07

    I am preet Thakur living from last 3 nd half yeara in Germany. Few days ago i went to electronics shop to credit Television but shop owner refused me and said we cann’t credit you. When i asked he said your mame has been put in schufa. I cann’t leave any Bill, payment pending. Few months ago i got letter fom Amtgericht for payment of pending ARD Deutschland radion. I had paid all pending dues but i don’t know why. My names has been put in Schufa.
    How long i have to wait for credit anything new item? If my name still lying in schufa. List but no bill is due then bank can finanace me any item? Reply me soon.

    • Reply Bastien - Settle in Berlin 04/12/2018 at 22:47

      Hey Preet. You can refer to the table in the post giving you an idea of how long can bad entries stay on your record, if you don’t fix them before manually.

  • Reply Eran 20/11/2018 at 14:02

    Hi Bastien,
    I was living and working in Germany for 2 years, but unfortunately I had to return home for a while.
    I had an internet contract with Telecom.
    I wanted to close my account before I leave, but for some reason they refused to let me pay in advance the rest of the months.
    I didn’t really had the time or the energy to deal with the unprofessionalism of Telekom so I moved and I didn’t plan to pay them until it was time to close my account.
    And sure enough few days ago I received a letter from a debt collectos company and after I confirmed with Telekom that my account is closed, I payed my dept.
    The amount was 325€.
    Since I’m not registered in Germany any more I guess that I can’t request a Schufa.
    But recently I was accepted for a master, so I plan to return.
    Other than that my Schufa should be completely clean, I never asked for credits or loans or left any bills unpaid, always paid in time.
    So how negative is the 325€?
    (I payed before the “expiration” date it was set by the collectors company).
    Can this really prevent me from finding a Wege or a home?
    Just a rugh answer will be fine.
    Best regards

    • Reply Bastien - Settle in Berlin 20/11/2018 at 15:48

      Hey Eran. The only way to find out is really just to order a SCHUFA record copy so you can see for yourself. I can only assume that it should be fine since you paid on time but better check yourself.

  • Reply Linda Appiadua Owusu 15/10/2018 at 22:41

    Please I want to know if I am on schufa for 12 years now, I have not clear all my debt, will it still there unsolve

    • Reply Diazsil 27/10/2018 at 01:56

      Hi, if i did not clear my debts with a bank, for how long will it appear on schufa? Does it show in other European countries too? Thanks

      • Reply Bastien - Settle in Berlin 30/10/2018 at 10:09

        Hey Diazsil. Read the post again, it has answers to your questions.

  • Reply Rachael 05/08/2018 at 16:12

    Does the TV tax show / affect your Schufa?

    • Reply Bastien - Settle in Berlin 06/08/2018 at 22:09

      Yes probably.

  • Reply William Mansfield 29/07/2018 at 23:12

    My son, a music student, recently moved to Berlin from the US. He bought a prepaid SIM card from O2 soon after arriving. After a few weeks he went to open a contract for mobile phone service but was denied with no explanation. I’m thinking it is because he has not yet established a credit history. He is renting an apartment, which I signed on as guarantor for, and has ~6K€ in an N26 bank account solely in his name, which the rent is debited from. He is not currently working, improving his German with intensive language schooling and practicing his instrument in preparation for university auditions instead. He is considering taking a job with Foodora or similar food delivery service. Does anyone know if this would improve his Schufa and chances of getting approved for a phone contract? Danke.

    • Reply Bastien - Settle in Berlin 31/07/2018 at 22:45

      Hi William. As mentioned in the post, income doesn’t really impact the credit score as such.

  • Reply David V 25/07/2018 at 00:57

    Hi, i need a bit of advice. I am a British citizen and moved to Hamburg nearly 2 years ago, had my Anmeldung, bank account with
    Sparkasse and 1 month after living here, took 3 mobile phones from SATURN on
    Contracts to pay monthly for me and 2 younger sisters

    1 week later my grandmother became terminaly ill and we had to fly back to London

    I didnt inform the bank that i am going, only my landlord who said he will “sign me out” of the local town hall.

    My question is: last week i came back to Germany and i am asuming understandably i will have a bad schufa

    I have a new apartment with an agreement from the new landlord and a full time job

    Will the situation with the 3 mobile phone contracts prevent me from getting credit or
    Credit cards in the future?

    I an planning to stay in Germany now and need a little financial boost.

    Are there companies that give loans to persons with bad schufa?

    • Reply Bastien - Settle in Berlin 27/07/2018 at 22:51

      Hey David V. It’s unfortunately not possible for me to say how you SCHUFA score looks like on such little details. One way to check: get a record! It’s free!

  • Reply Bente 17/07/2018 at 15:25


    I’m trying to get the ‘Schufa one free record per year’, however, the posted link is not forwarding to a certain ‘pdf with a british flag’, where can I find the link to the right page to request this Schufa?


    • Reply Bastien - Settle in Berlin 18/07/2018 at 20:59

      Hi Bente, thanks for letting me know. It seems that the page has changed now. You can do a request directly online it seems, without sending any papers in. Can’t seem to find an English version anymore. This post will be edited. On the page, you have to click “Jetzt bestellen” in the right column and enter your info in the page that follows.

  • Reply Rooney 31/05/2018 at 01:23

    Hello, i dont know if this really belongs here but really need help. I moved a few years back to berlin as i love the city. My first month i broke my hand and had to go to a doctor regularly to change casts, x rays, etc. I had trouble keeping my job cause of it and had to leave with no money at all left, asking my father to lend me for a plane ticket home. When i was about to leave i received a bill from the doctor. The thing is i never payed that bill, and i really want to move back. Is that a problem?. Am i in huge dept there? or am i maybe prohibited from living there? really hope i can get an answer as i really dont know where to turn. I tried contacting the icelandic embassy (im from iceland btw.) in berlin and they just didnt answer back.

    • Reply Bastien - Settle in Berlin 31/05/2018 at 16:19

      Hi Rooney. It’s a tough situation and i can’t really answer without knowing more details, depends on the amount, when this happened etc… I suppose there is only one way to find out, move back here and get a hand of your SCHUFA score.

      • Reply Rooney 31/05/2018 at 17:45

        The amount wasnt that high. I think maybe around 2 – 300 euro and it was about 4 years ago.

        • Reply Bastien - Settle in Berlin 02/06/2018 at 19:59

          It’s just an opinion; there will be probably little to no consequences then.

  • Reply Mary 19/05/2018 at 22:27

    Hi, Bastien!

    I live in Germany (Berlin) from three months now. The first month I had a registration at an address, but for the last two months I am on another address (and I am not registered, i.e. the old registration still stays in the german Burgeramt).
    From my first address I have the SCHUFA document, but it is expired now (they sent me a letter that after two months I have to renew the SCHUFA). I would like to ask you — How do I renew it? – I am not at the old address – so can I renew it only electronically and receive these Schufa pdfs – electronically. Or do I have to make an anmeldung for this new address in order to have a renewed Schufa?
    Thank in advance!

  • Reply Jason 07/05/2018 at 21:50

    without anmeldungen and i live in germany with france visa .can i still get a schufa .and where and how?

    • Reply Bastien - Settle in Berlin 08/05/2018 at 20:39

      Hi Jason. If i understand your question correctly, if you are not registered in Germany, the answer is most likely no.

  • Reply Ahmed Hegazi 28/04/2018 at 18:06


    my SCHUFA is positive but my score is 79.9% mainly because I was trying to get a phone by installment and I tried different banks but the didn’t accept it so it basically just credit request.
    how can I improve my score?

    thank you for helping so much

    • Reply Bastien - Settle in Berlin 30/04/2018 at 09:12

      Hi Ahmed. As mentioned in the post, there are no miracles except pay your bills on time and don’t do too many credit requests. If you have wrong entries in your SCHUFA record, you can also contact the companies to try to correct it.

  • Reply Sandor 19/04/2018 at 12:59

    Hi, is this schufa cheking only in germany or worldwide.? I’m working in germany from 4 months and yesterday tring to get a finance for a car and they said i have schufa..! Can’t get the credit?

    • Reply Bastien - Settle in Berlin 23/04/2018 at 11:14

      Hi Sandor. Everyone living in Germany gets a schufa score eventually. I think SCHUFA works with other countries like Switzerland, Austria and a few others. Can’t find the source anymore,

  • Reply Har 11/04/2018 at 08:11

    Hi Bastein,
    I’m living in Germany since 2015 as a student and I have American Express credit card due to some reasons I used excess of credit (3.5k) and now I’m unable to pay completely. So I spoke with American Express customer service to negotiate the payment in installments, they said if I’m not able to pay in 90 days then my account will be handed over to schufa and they said that it will become problem for me in sense that my bank account might get cancelled and I could go in to trouble like I cannot pay bills etc. what exactly schufa will do to my bank account in which I’m receiving my stipendium. Will I have to face problems in renewing my visa.

    • Reply Bastien - Settle in Berlin 12/04/2018 at 08:42

      Hi Har. This decision is part of the your bank’s internal processes, so i can only do a wild guess: They will measure the pros and cons of having you as a client, and make a decision based on that.

  • Reply Mark Canoy 05/04/2018 at 01:45

    Hi!just need some help, i am here inTübingen i am now 1 1/2 here,have permanent work also. i tried to avail some loans in a bank and the bank said i have some issues regarding schufa,i was in shock cuz i dont have knowledge about this schufa really 0.1% knowledge!i paid all my bills and 1 thing that reminds me is this rundfunkbeitrag i did not pay it so after that i paid this rundfunk and they told that they will inform the schufa!but i really need to have a loan in 2 days,but the bank told that once all settled i can just go to bank..can the bank allow me to have a loan?it was only 315€ i did paid for this rundfunk

    • Reply Bastien - Settle in Berlin 12/04/2018 at 08:54

      Hi Mark. What the bank tells you is probably true yes.

  • Reply aaron 22/02/2018 at 15:36

    hey!! if I am paying for an instant schufa online, and they are asking for my address, do i need to put the one i am registered at?? i am currently sub letting for a while and am registered at a different address

  • Reply Don k 20/02/2018 at 22:23

    Hey guys if I wanna rent a flat what the lowest score a new Landloard can accept on my Schufa?

    • Reply Bastien - Settle in Berlin 21/02/2018 at 16:57

      It’s up to each landlord to decide that.

  • Reply Neera 02/02/2018 at 14:21


    I am in Germany from past 3 years. My credit card payment was bounced only once 3 months back due to insufficient funds. But later I fixed it immediately. If I request for Schufa report, will it show negative in my report ? Please advise


    • Reply Bastien - Settle in Berlin 05/02/2018 at 20:19

      Hi Neera. I cannot tell you what SCHUFA does with your score. The only way to check is to indeed order a SCHUFA record.

    • Reply Mei 07/02/2018 at 22:44

      If your SCHUFA score is really low but all your bills are paid for, will it negatively effect my chances of renewing my visa?

  • Reply Kirandeep Kaur 19/01/2018 at 00:03


    My bank account is still not active but I have a registered address. Can I apply for a SCHUFA ?

    • Reply Bastien - Settle in Berlin 21/01/2018 at 09:46

      Hi Kirandeep. You don’t apply for a SCHUFA record, it’s created for you. If you just arrived, your file will just say something like “there is not enough data to make a score”.

  • Reply Ruchit Telrandhe 05/01/2018 at 01:53

    Hello Bastien,

    First of all, thank you for the helpful info that you posted above.
    The reason that brings me here is that I ordered my SCHUFA and it shows that there is some open case against me (Verfahrensnummer given).
    As far as I remember, I dont owe any money to anyone. There were a couple of transportation fines against me as I forgot to carry my monthly pass, but I resolved the issues by submitting the copies of my monthly passes on both the occasions. Thats all. Other than that I am unaware of any open issues.

    Now the question is: How do I find out who I owe the money to? And who has raised the verfahrensnummer against me? And how do I get rid of it from my SCHUFA? Kindly advise. I am totally lost here as I dont know who to go to.

    Thank you in advance.

    Ruchit Telrandhe

    • Reply Bastien - Settle in Berlin 09/01/2018 at 11:14

      Hi Ruchit. You can submit your case to be reviewed if you think there are unfair/unaccurate entries in your report. From the documents (free yearly report) you have, you should be able to identify the company you have an issue with and ask them to clear to remove it from your SCHUFA record. Good luck.!

  • Reply zuza 04/01/2018 at 19:40

    Hi Bastien,

    I am moving to Berlin next week, I will get anmeldung at my friends flat and I will open bank account in N26 Bank.
    Once I get my anmeldung and bank account can I register for Shufa right away?

    • Reply Bastien - Settle in Berlin 09/01/2018 at 11:05

      Hi Zuza. You don’t register for it per say. A record is created on you after a while.

  • Reply Amber 03/01/2018 at 16:11

    Hey 🙂

    I am a British citizen moving to Berlin in 3 weeks and wanting to get a SCHUFA document for flat hunting. I’ve lived in Berlin before (in 2014) and have my Anmeldebestätigung from there (dated 17.02.2014).

    Do you think it’s a good idea to apply for the SCHUFA? I’d only be able to place my last 2 English addresses on there, as I have not lived in Germany for at least two years now. In any case, I have the form, a photocopy of my passport and a photocopy of my Anmeldebestätigung ready to go 🙂

    Thanks for any advice!


    • Reply Bastien - Settle in Berlin 04/01/2018 at 17:21

      Hi Amber. I don’t know if you even have a SCHUFA record at this point. Best is to check yourself.

  • Reply Tatyana 26/12/2017 at 18:12

    Hi all,
    I have an open electricity bill which amounts to over 5k for the last year. I have involved a recognised electrician, a third party organization to look into the case and investigate, though no positive outcome for me, for the time being…it seems a household of 50sq m consumed electricity for suc an amaonut – unbelievable!! The company offered me to pay for 24 months, approx EUR200 per month, thou I cannot afford it. My monthly income does not allow it. What can I do in such situation? I also do not have a legal insurance to involve a lawyer. Any advice will be welcomed. Thanks

    • Reply Bastien - Settle in Berlin 27/12/2017 at 21:01

      Hi Tatyana. I cannot give you advice on the matter. you should get in touch with a consumer association or indeed a lawyer.

  • Reply Guy 16/12/2017 at 21:47

    Can problems with my landlord (I did not pay the last month of rent before leaving the lease, resulting in the landlord keeping my deposit, which covered more than the rent) negatively impact my schufa? For how long?
    Thank you

    • Reply Bastien - Settle in Berlin 18/12/2017 at 21:32

      Hi Guy. Probably not, if the landlord is a private person and you don’t owe him any money.

  • Reply Radu 14/12/2017 at 13:00

    Hi Bastien,

    In 2007 I was studying in Germany and due to financial problems I had to leave. Unfortunately I also left an unpaid 250 euro bill for health insurance. I’m thinking of returing in 2018 for a job, but I’m concerned about my Schufa score. Do you think it’s still on my record after 10 years? Thanks.

    • Reply Bastien - Settle in Berlin 18/12/2017 at 21:23

      Hi Radu, after 10 years probably not but you can only know for sure by ordering your record.

  • Reply david 03/12/2017 at 18:42

    Hi basien,
    I am an international student doing a master degree in berlin.
    I first apply for a private insurance when i moved to berlin because it was cheap (46).
    However i had not open a back account then, i paid with my international bank card.

    My school adviced me to get a new public insurance, so i did and then forgot to stop the private one.
    I want to know if that will after my credit score.
    Now i have a bank account. And i pay my public insurance on time.


    • Reply Bastien - Settle in Berlin 05/12/2017 at 20:38

      Hi David. The only way to know is order a SCHUFA record to check by yourself. It does pretty minor though.

  • Reply Zhen 28/11/2017 at 17:43

    Hi Bastian,

    I got a fine because of not buying a ticket…(my wallet has been left in my office when I went home…)
    Then I paid the fine in time. For this case, my SCHUFA will get a negative entry record or not?

    Thank you,

    • Reply Bastien - Settle in Berlin 29/11/2017 at 20:40

      Hi Zhen, if you payed quickly, it should not impact your score in the long-run.

  • Reply Gaurav Marwaha 20/11/2017 at 14:46

    Hi Bastien,

    Thanks for sharing such useful information on the whole Schufa process.
    One question – How long is the Schufa report valid for? For e.g. if I take the Schufa report today for renting a flat, can I use the same report 6 months down the line when applying for a bank loan?


    • Reply Bastien - Settle in Berlin 23/11/2017 at 18:07

      Hi Gaurav. The person asking you for one will tell you how recent the report should be.

  • Reply Farnaz 16/11/2017 at 20:56

    Hello Bastian,
    I moved to Germany in january 2016 so it’s not been one year and (with my husband that has been living in Germany since 2012) , I recently (about 3-4 months ago) opened a bank account and now have a job and also a mini job. I don’t have any contract anywhere and no credit cards I pay cash for everything. In this circumstances how is my Schufa score ?

    • Reply Bastien - Settle in Berlin 18/11/2017 at 14:49

      Hi Farnaz, your SCHUFA record is not populated but your SCHUFA score should be high enough. How high? Nobody knows except you if you ask for a copy of your record.

  • Reply Lara 11/11/2017 at 15:03


    I’ve just received my Anmeldung the other day, but have been living here for 4months and already opened a bank account with N26 for about 3.5 months. I’m now looking for a long-term flat. Can I get a SCHUFA through immobilienscout24 now, or not..how long do I have to wait before I can obtain a SCHUFA? Thank you!!! <3

    • Reply Bastien - Settle in Berlin 12/11/2017 at 14:54

      Hi Lara, you should have a SCHUFA record by now yes.

  • Reply Reza 15/10/2017 at 21:03

    Hi, i was a Gebührenfrei gold mastercard customer. Due to my lack of knowledge abour credit card system and German knowledge, i kept a 70 euro bill unpaid for 6 months. I thought there is only 2 euro interest per month so i will pay when it will be 80. I can do other things with the money now. I didnt know i had to pay a minimum amount each month. As a result they transferred my case to a cash collection company and i had to pay 150 euro to them and the canceled my card. From then i am getting rejected for other credit cards too. Is it a very big issue? Its just 70 euro and after all i paid and i didnt know the system. Can you tell me how long it can take to get back to good schufa scoring?

    • Reply Bastien - Settle in Berlin 16/10/2017 at 22:13

      Hi Reza. I don’t know; it depends on many factors. You can get a general idea from the table in the article.

  • Reply Bobby 13/10/2017 at 08:53


    Great website. How could I complain or challenge a Schufa entry because they’ve incorrectly given me a rating for something I haven’t done? Bear in mind I don’t speak German.

    Who would I contact? Can I send an email with evidence?


    • Reply Bastien - Settle in Berlin 14/10/2017 at 11:56

      Hi Bobby, i would contact them directly by phone with the help of a German speaking friend. You have their hotline details on this page (last question).

  • Reply Erla 25/09/2017 at 14:22


    Is there a chance of doing the SCHUFA online without being in Germany?


    • Reply Bastien - Settle in Berlin 26/09/2017 at 11:23

      Hi Erla. Yes it is possible if you already registered your residency in Germany and fulfilled all requirements already. If you have never lived in Germany before; no it’s not possible.

  • Reply Shadan 21/09/2017 at 14:11

    Hi Bastien,
    First of all, thanks for your information.
    Here I am writing to get more information about the process of SCHUFA in Germany.
    I am a refugee and I have Meldebescheinigung and blue Passport and I am under Jobcenter, so can I also get the Schufa in Germany ? because whenever I want to rent a Flat, then I will be asked for Schufa.

    I would appreciate if you could give me details in this matter.


    • Reply Bastien - Settle in Berlin 26/09/2017 at 10:10

      Hi Shadan, your current situation as a refugee does not change anything, you will also have a SCHUFA report on you, since you did all the right steps. This post is also valid for you.

  • Reply Erika 15/09/2017 at 21:15

    Hi Bastien,
    I’m italian, to get the record is it a problem if i don’t have a passport?
    Only my ID.
    Thank you

    • Reply Bastien - Settle in Berlin 18/09/2017 at 09:28

      The SCHUFA website specifically mentions a passport together with a Meldebescheinigung, sorry.

  • Reply Maria 13/09/2017 at 14:45

    Hi Bastien,
    Is it possible to get the schufa at the Postbank without the Anmeldung paper? For some reason I cannot find it and I urgently need the Schufa. I know i can get another copy if i go to the burgeramt but I’m afraid that can take a while, so that’s why I’m asking.

    • Reply Bastien - Settle in Berlin 13/09/2017 at 17:35

      Hey Maria. You get a copy of your Meldebescheinigung at the Bürgeramt. You might need to get up a little bit early to be early in the queue, that’s all.

  • Reply Z 14/08/2017 at 19:49

    Hi Bastien,

    A few months ago I was traveling in Germany for the first time as a tourist with a French residence permit, and I forgot to validate my train ticket before getting on it. the controller wrote down my passport info and said I need to pay a 60 euros fine. I asked him where and how cuz I didn’t have enough cash on me. he said I would receive a letter soon and he left without giving me a receipt or ticket , and I waited for a month but the letter never came. after that I went to an officer at the train station asking how I can pay the fine since I didn’t receive anything and he said since I’m a foreigner I don’t have to worry about it .

    At the moment I’m applying for an internship visa in Germany and I am really worried about the whole SCHUFA system which would potentially cause some trouble.
    But in your article you wrote”As a foreigner, it will be automatically created when you have completed your Anmeldung at the Bürgeramt, opened a bank account, and subscribed to a first contract like for an internet line for example.”

    so my question is , does this mean if I was just traveling in Germany as a foreigner without opening any bank account nor complete my Anmeldung, I don’t even have a schufa number ? because I’m worried this would affect my visa application since I never paid the fine.

    Best regards,


    • Reply Bastien - Settle in Berlin 15/08/2017 at 18:29

      Hi Z. I think you will be fine as you were not a German resident at the time yes.

      • Reply Cmr 01/12/2017 at 19:48

        Hi Z, I was in the same situation. There was my first time at Germany so I didnot notice about that machine. I ran to catch the train after getting luggage and thought I can buy ticket on train. 2 years later, I moved to Germany for work and worried it was recorded in my good conduct documment which I need to submit to my working place. But nothing was record. So dont worry about that.

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