SCHUFA and loans: the credit history

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SCHUFA is Germany’s main credit bureau. It stores accounts, loans, phone contracts and missed payments. A good score (95%+) opens apartments and loans; a bad one can even block a phone contract. Once a year the report is free (data copy under Art. 15 GDPR). For loans, check the effektiver Jahreszins — the true yearly cost, not the advertised Sollzins.

●Payment 2 weeks overdue + 2 reminders → negative entry
●A condition inquiry is harmless; a formal loan application can hurt
●A negative entry stays 3 years after the debt is paid

📊 Almost every big-city landlord asks for a SCHUFA report. Order it early — it speeds up the flat hunt.

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