Service & Answers

Our service offers you a "comprehensive, worry-free package" that saves you valuable time and effort in your everyday life. Instead of laboriously searching through complex websites or sending applications by post, we take care of the entire process for you conveniently and fully digitally. We always guarantee the use of the latest and legally compliant GDPR forms for your request. In addition, we offer the entire process in numerous languages to break down barriers for all citizens. At the end, we provide you with official and legally compliant proof of dispatch.

Yes, according to Art. 15 GDPR, every citizen has the right to request a free copy of their data directly from the credit agencies. Our offer is a purely optional service for customers who do not want to go through this often tedious process themselves. We charge a fee for the time saved, the digital processing of the requests, and the legally compliant transmission report. Compare it to tax software: you can file your tax return yourself for free or use a convenient service that does the work for you. You are free to decide whether to go the manual route or use our assisted premium service.

The right to access your own data is a fundamental right that every citizen is entitled to, regardless of their origin. However, we know that German bureaucratic language often presents a major hurdle. That is why we offer our service in numerous languages to promote true inclusion and equal opportunities. We want to ensure that everyone can keep a close eye on their finances and exercise their rights. The simple user guidance in the respective native language helps to avoid mistakes when submitting applications.

SCHUFA conducts a thorough identity check for every incoming application in order to protect your data. Your name, date of birth, and address are precisely compared with the existing database. The information is only provided if there is no doubt about the match. If there are any discrepancies (e.g., after a move), SCHUFA will usually contact you directly. In such cases, a copy of your ID may be necessary to confirm your identity. This process ensures that sensitive financial information only reaches the authorized person.

Immediately after completing your order, we will send your request digitally to SCHUFA Holding AG. You will receive a detailed transmission report directly to your mailbox as confirmation. This report serves as official proof that your application has been submitted correctly. It contains all relevant time stamps for tracking purposes. If SCHUFA exceeds the statutory processing period, you can use this report as legally valid evidence. This gives you full control over the status of your application at all times.

Your personal financial data is highly sensitive. To ensure that this information never falls into the hands of unauthorized third parties, SCHUFA follows extremely strict security guidelines. For this reason, the completed report is sent exclusively by physical mail. The letter is delivered specifically to your verified registered address in order to prevent identity theft. This high security standard is enshrined in law and effectively protects your privacy. At this point in time, purely digital delivery would entail additional risks that are ruled out by postal delivery.

If SCHUFA requests additional documents in individual cases, this is a normal security process (e.g., requesting a copy of your ID). In such cases, you will receive a letter directly from SCHUFA. We will support you in this situation with helpful information on how to proceed. We will explain exactly how to respond correctly so that you receive your information without any significant delays. Our goal is to ensure a smooth process for you.

Our service begins the moment you commission us. We take care of creating the documents, technical transmission, and providing your transmission report. Once this report has been sent, we have already fulfilled our contractual obligations in full. The subsequent postal delivery time and internal processing time at SCHUFA are beyond our control. We ensure immediate submission so that you receive your data as quickly as possible. For this reason, we separate the fee for our service from the actual postal delivery by third parties.

According to Section 356 (4) of the German Civil Code (BGB), the right of withdrawal for services expires prematurely if these have been provided in full. Since our system transmits your application immediately after receipt of the order, our service is completed within a few moments. During the ordering process, you expressly agreed that we may begin before the expiry of the withdrawal period and confirmed that your right of withdrawal expires upon complete fulfillment. This immediate service is necessary in order to guarantee you the promised speed.

Accessing your data is the first step toward improving your credit score. Only when you know what data is stored about you can you identify outdated or incorrect entries. Often, paid-off loans or incorrect addresses artificially lower your score. SCHUFA is legally obligated to correct or delete errors upon verification. Our service helps you quickly obtain the information you need for this correction process. This allows you to actively protect and improve your financial reputation.

If you suspect identity theft, it is crucial to act quickly. Our express service ensures that your request is received by SCHUFA immediately. The faster you receive the information, the sooner you can detect unauthorized inquiries or accounts. Once you have clarity, you can immediately take legal or police action. We support you by quickly transmitting the information, saving you time and helping you restore your financial integrity. Regular monitoring is also the best form of prevention.

With over a million applications, the majority of our customers are very satisfied. Criticism on the internet is mostly based on misunderstandings regarding SCHUFA's processing time, over which we have no influence. We take all feedback seriously and are constantly optimizing our processes. However, the proportion of dissatisfied customers is negligible compared to the number of successful cases. We stand for reliability and security when requesting your data copy.