📊 Understanding SCHUFA & Credit Score
What SCHUFA collects, how the score works and how to improve it.
Self-test: how is your credit?
📈 How to improve your score
- Always pay bills on time — every reminder costs points.
- Few but stable accounts — many credit cards look negative.
- Don’t spam credit inquiries — each is recorded.
- Report address changes — unregistered moves look chaotic.
- Free annual report under §34 GDPR — have errors corrected.
🆓 Free report
Under §34 GDPR you’re entitled to one free data copy per year from SCHUFA — choose „Datenkopie“, not the paid report.