Difference between revisions of "Germany/Housing/Schufa"
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| − | {{ | + | {{Head |
| − | '''Schufa''' is the biggest German credit score system. | + | |Schufa (credit score) report in Germany |
| + | |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 a such a ''Schufa Bonitätsauskunft''. | ||
| + | }} | ||
| − | + | {{FAQ| | |
| + | {{FAQ/Item|q= Do I need a Schufa report? |a= | ||
| − | + | It depends on the place you want to rent: | |
| − | |||
| − | + | * '''Almost always''', you need one for renting an '''(unfurnished) apartment long-term'''. | |
| − | + | * You '''probably don't''' need one for renting a furnished apartment short-term. | |
| − | [ | + | * Also it's '''unlikely''' when subletting an apartment or room from another person. |
| + | |||
| + | Read more about [[Germany/Housing/Rent|renting and apartment or room]]. | ||
| + | |||
| + | }}{{FAQ/Item|q= Why do landlords want a Schufa? |a= | ||
| − | * | + | * In Germany, renting apartments is highly regulated by law. |
| − | * | + | * Especially, it is difficult for landlords to kick a tenant out. |
| + | * 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 == | |
| − | === | + | === 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]). It also contains the information that landlords want to see. | |
| − | * Go | + | * 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: | A page with a form opens, fill it out. Here's a dictionary: | ||
| − | * ''Vornamen:'' | + | * ''Anrede'': salutation (required) |
| − | * ''Nachname:'' | + | * ''Vornamen:'' first names (required) |
| − | * ''Geburtsdatum:'' | + | * ''Nachname:'' last names (required) |
| + | * ''Geburtsdatum:'' date of birth (required) | ||
* ''E-Mail-Adresse:'' e-mail address | * ''E-Mail-Adresse:'' e-mail address | ||
* ''Geburtsname:'' birth name (maiden name) | * ''Geburtsname:'' birth name (maiden name) | ||
| Line 37: | Line 46: | ||
* ''Frühere Namen:'' previous names | * ''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. |
| − | * | + | |
| + | You will now receive a letter in a few days. | ||
| + | |||
| + | === 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. | ||
== More guides == | == More guides == | ||
Revision as of 14:53, 25 July 2022
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 a such a Schufa Bonitätsauskunft.
Questions & Answers
Do I need a Schufa report?
It depends on the place you want to rent:
- Almost always, you need one for renting an (unfurnished) apartment long-term.
- You probably don't need one for renting a furnished apartment short-term.
- Also it's unlikely when subletting an apartment or room from another person.
Read more about renting and apartment or room.
Why do landlords want a Schufa?
- In Germany, renting apartments is highly regulated by law.
- Especially, it is difficult for landlords to kick a tenant out.
- 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
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 GDPR). It also contains the information that landlords want to see.
- Go to 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 (required)
- Vornamen: first names (required)
- Nachname: last names (required)
- Geburtsdatum: date of birth (required)
- E-Mail-Adresse: e-mail address
- Geburtsname: birth name (maiden name)
- 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.
You will now receive a letter in a few days.
Paid
- Postbank or
- Volksbank
walk in with your
- ID or passport
- and a Meldebescheinigung (certificate of registration)
and get the report immediately.
More guides
- How to get a free Schufa by All About Berlin
- Free Schufa report online & paperless by BerlinCheap.com