How do I apply for an enrichment card

Whether for the landlord, when applying for a loan, or when doing business with a transaction partner - in order to obtain information about a person's solvency, a Schufa credit report is essential. Many landlords and banks therefore insist that interested parties or customers can present a corresponding credit report.

In addition to the Schufa credit report, there is also the Schufa self-assessment. The self-assessment can be requested free of charge and gives an overview of how Schufa assesses your creditworthiness. There are important differences between these two pieces of information that must be taken into account.

You can find out here how you can apply for a free Schufa self-assessment and what the difference to Schufa self-assessment is.

Apply for Schufa information - you should consider that

What is a Schufa self-assessment?

Schufa information provides information about a person's solvency. The Schufa self-disclosure shows how Schufa assesses your payment behavior. You have the right to one free data copy per year. Since April 1, 2010, consumers have the right, under Article 15 of the Federal Data Protection Act, to request this information once a year free of charge. At this point, however, the Schufa self-assessment must be clearly distinguished from a Schufa credit report, which incurs costs.

What is a Schufa credit report?

With the help of stored data, Schufa can determine the creditworthiness of a consumer. With a scoring value from the respective Schufa credit report, consumers can take out loans for expensive purchases. In addition, many landlords now require proof of creditworthiness when they award their rental apartment.

What is the difference between the free Schufa self-assessment and the Schufa credit report?

Unlike the self-assessment, the credit report is chargeable. The 29.95 euros In addition to the self-assessment document, the expensive credit report also contains a document to be passed on to third parties, such as the landlord, and contains information on your creditworthiness, the regularity of your income and the associated solvency. In addition, the credit report is available in the form of an original Schufa document. With regard to the information content of the free self-assessment and the chargeable credit report, there are only small differences. The credit report is to be preferred if you have to prove your creditworthiness to a third party, for your own information, however, the free Schufa information is sufficient.

How do I apply for a free Schufa self-assessment?

You can request a self-assessment online and free of charge on the Schufa Holding AG website in accordance with Article 15 of the Federal Data Protection Act, recently: GDPR. All you have to do is fill out the relevant order form and send it off.

Who is Schufa Holding AG?

The abbreviation "Schufa" stands for the protection company for general loan protection. Schufa stores the information about a person's solvency. Contrary to what many believe, the Schufa is not an authority, but a private company.

The payment behavior of consumers can be rated positively or negatively. Positive Schufa entries include credit or bank contracts. The negative entries, on the other hand, include late payments or personal bankruptcies as well as judicial dunning procedures. The Schufa then provides information about the creditworthiness of contractual partners.

What information does a Schufa information provide?

The credit agency Schufa is celebrating its 90th birthday and at the same time its most successful business year. CEO Michael Freytag on prejudice, private customers, identity theft and visits to Silicon Valley.

The Schufa information contains various data on a person. This includes, for example, previous addresses, names or the date of birth. In addition to various personal data, the Schufa information also contains information about checking accounts or installment loans, for example. Overall, the Schufa processes the following data:

  • Personal data: This includes, for example, surname, first name, date of birth, place of birth, address and previous addresses.
  • Information about undisputed, due and repeatedly dunned or titled claims as well as their settlement.
  • Information from public directories and notices.
  • Information on the execution of transactions in accordance with the contract. These include checking accounts, credit cards, and installment loans, for example.
  • Scores.
  • Information about fraudulent or abusive behavior such as fraudulent creditworthiness or identity.

What are the score values ​​for the Schufa information?

The credit scores are based on the stored personal data. Based on the experience gained, forecasts are then made for the future that indicate how likely it is that someone will meet their current and future payment obligations. This not only protects the company from possible payment defaults, but also protects the consumer from over-indebtedness or insolvency.

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