Editing Germany/Housing/Schufa

{{DISPLAYTITLE:How to get a German Schufa (credit score) report}}
'''Schufa''' is the biggest German credit score system. Basically, it collects data about how well you paid your bills until know. From that, they estimate how well you will pay your bills in the future.

Clearly, landlords want such information. This is why nearly always when you rent an apartment directly from a landlord, you need to show a ''Schufa-Auskunft'' (Schufa report).

== Where to get a Schufa report? ==
You can get a report immediately at a branch of Postbank or Volksbank – but this costs 29.95 EUR.

Or you can get it within 3 weeks by mail. 
=== Paid ===
[https://www.meineschufa.de/index.php?site=14_3 Find a branch] of

* Postbank or
* Volksbank

walk in with your

* ID or passport
* and a ''Meldebescheinigung'' (certificate of registration)

and get the report immediately.

=== For free ===
You can obtain the report for free by a GDPR request.

* Go on [https://www.meineschufa.de/index.php?site=11_3 MeineSchufa.de: Datenkopie (nach Art. 15 DS-GVO)]
* There's a table with two columns. Down on the '''right'' column (titled ''Datenkopie''), click ''Jetzt bestellen''

A page with a form opens, fill it out. Here's a dictionary:

* ''Vornamen:'' First names
* ''Nachname:'' Last names
* ''Geburtsdatum:'' Date of birth
* ''E-Mail-Adresse:'' e-mail address
* ''Geburtsname:'' birth name (maiden name)
* ''Geburtsort:'' place of birth
* ''Frühere Namen:'' previous names

Upload a copy of

* your ''Personalausweis'' (ID card) or passport
* your registration certificate (Meldebescheinigung)

== More guides ==
* [https://berlincheap.com/schufa/ Free Schufa report online & paperless] by ''BerlinCheap.com''

[[Category:Housing]]
@@ Line 1: / Line 1: @@
-{{Head
+{{DISPLAYTITLE:How to get a German Schufa (credit score) report}}
-|Schufa Report for Renting an Apartment
+'''Schufa''' is the biggest German credit score system. Basically, it collects data about how well you paid your bills until know. From that, they estimate how well you will pay your bills in the future.
-|free or paid
-|'''Schufa''' is the biggest German credit score system. Mostly, you need their report of you if you want to rent an apartment long-term. Read here how to get such a ''Schufa Bonitätsauskunft''.
-}}
-{{FAQ|
+Clearly, landlords want such information. This is why nearly always when you rent an apartment directly from a landlord, you need to show a ''Schufa-Auskunft'' (Schufa report).
-{{FAQ/Item|q= Do I need a Schufa report? |a=
-It depends on the place you want to rent:
+== Where to get a Schufa report? ==
+You can get a report immediately at a branch of Postbank or Volksbank – but this costs 29.95 EUR.
-* '''Almost always''', you need one for renting an '''(unfurnished) apartment long-term'''.
+Or you can get it within 3 weeks by mail.
-* You '''probably don't''' need one for renting a furnished apartment short-term.
+=== Paid ===
-* Also it's '''unlikely''' when subletting an apartment or room from another person.
+[https://www.meineschufa.de/index.php?site=14_3 Find a branch] of
-Read more about [[Germany/Housing/Rent|renting an apartment or room]].
+* Postbank or
+* Volksbank
-}}{{FAQ/Item|q= Why do landlords want a Schufa? |a=
+walk in with your
-* In Germany, renting apartments is highly regulated by law.
+* ID or passport
-* Especially, it is difficult for landlords to kick a tenant out.
+* and a ''Meldebescheinigung'' (certificate of registration)
-* Therefore, landlords want to be sure that a new tenant will pay their rent before they sign a contract.
-* A way to check this is whether the applicant has paid their bills before. This is why they want to see a credit score report.
-}}
-}}
-== Get a Schufa report ==
+and get the report immediately.
-=== Free ===
+=== For free ===
-Instead of the regular credit score report, you can get a '''free copy of all the personal data''' that Schufa stores about you (based on the [https://en.wikipedia.org/wiki/General_Data_Protection_Regulation GDPR]).
+You can obtain the report for free by a GDPR request.
-It also contains the information that landlords want to see.
+* Go on [https://www.meineschufa.de/index.php?site=11_3 MeineSchufa.de: Datenkopie (nach Art. 15 DS-GVO)]
+* There's a table with two columns. Down on the '''right'' column (titled ''Datenkopie''), click ''Jetzt bestellen''
-It is sent to you by letter, so it takes a few days.
-* Go to [https://www.meineschufa.de/de/datenkopie MeineSchufa.de: Datenkopie (nach Art. 15 DS-GVO)]
-* Pick the option on the left: ''SCHUFA-Datenkopie''.
 A page with a form opens, fill it out. Here's a dictionary:
-* ''Anrede'': salutation
+* ''Vornamen:'' First names
-* ''Vornamen:'' first names
+* ''Nachname:'' Last names
-* ''Nachname:'' last names
+* ''Geburtsdatum:'' Date of birth
-* ''Geburtsdatum:'' date of birth
+* ''E-Mail-Adresse:'' e-mail address
-* The next fields are '''optional''':
+* ''Geburtsname:'' birth name (maiden name)
-** ''E-Mail-Adresse:'' e-mail address
+* ''Geburtsort:'' place of birth
-** ''Geburtsname:'' birth name (maiden name)
+* ''Frühere Namen:'' previous names
-** ''Geburtsort:'' place of birth
-** ''Frühere Namen:'' previous names
-* ''Straße'': street
-* ''Hausnummer'': house number
-* ''Postleitzahl'': postal code
-* ''Ort'': city
-You '''can''' also upload documents (e.g. from you ''Anmeldung'') but this is optional.
-* click on ''Eingaben prüfen'', check your inputs and submit (''Absenden'').
-=== Paid online ===
+Upload a copy of
-You can also '''get Schufa report online''' directly from the company. It costs '''~€30''' and arrives '''in 1-3 days by letter'''.
+* your ''Personalausweis'' (ID card) or passport
+* your registration certificate (Meldebescheinigung)
-# Go to the {{AffLink|Schufa website|schufa}}.
+== More guides ==
-# Pick ''Schufa-Bonitätsauskunft''.
+* [https://berlincheap.com/schufa/ Free Schufa report online & paperless] by ''BerlinCheap.com''
-#* Make sure you are ordering it with a one-time payment. Schufa also offers subscriptions per month which look cheaper but have minimum terms.
-# Fill out your data and submit. You might use the dictionary from above.
-=== Paid in a branch ===
-You can also '''get a Schufa report now''' by going into a bank branch. It costs '''~€30'''.
-[https://www.meineschufa.de/index.php?site=14_3 Find a branch] of
-* Postbank or
-* Volksbank
-walk in with your
-* ID or passport
-* and a ''Meldebescheinigung'' (certificate of registration)
-== See also ==
-* [https://allaboutberlin.com/guides/free-schufa-berlin How to get a free Schufa] by ''All About Berlin''
 [[Category:Housing]]
-{{Notes}}