Whether in the private or corporate customer business, many business relationships start with one central question: Can my customer pay?
A reliable answer - and therefore a sound credit check - is crucial, because if you want to take advantage of opportunities, you need to be able to assess risks, especially the risk of payment defaults.
This is exactly where SCHUFA's credit rating solutions come in: we provide you with up-to-date, well-founded and precise credit rating information - in real time and seamlessly integrated into your processes. Whether during customer onboarding or in ongoing business with existing customers: This allows you to identify potential, make confident decisions and reduce the risk of non-payment at an early stage - without disrupting the customer journey.
With our unique database, we create the basis for sustainable success. Because a credit check is more than just a check: it creates reliability, enables growth - and protects your business. Right from the start.
Are you interested in our credit rating solutions or do you have any questions? We will be happy to advise and support you.
Knowing the creditworthiness of your private customers is a key factor for sustainably successful business decisions. A well-founded credit assessment helps you to identify risks such as payment defaults at an early stage and at the same time reliably evaluate new opportunities.
Our unique database and excellent scoring expertise enable precise creditworthiness forecasts and provide a reliable basis for evaluating your business.
It is particularly important to weigh up risks and have the right information when dealing with new customers. In order to assess the creditworthiness of potential new customers, you need reliable and up-to-date data.
Take advantage of the unique quality of our database - with the SCHUFA credit report. This provides you with clear and well-founded information on the creditworthiness of private individuals.
It includes, depending on the type of information, e.g:
- Kernangaben zu natürlichen Personen
- Informationen über nicht vertragsgemäße Abwicklungen von Geschäften
- Daten aus öffentlichen Verzeichnissen und amtlichen Bekanntmachungen
In addition to information on customers in Germany, we also offer credit reports for private customers in other European countries - for greater security across national borders.
Sound decisions require accurate forecasts to assess business risks. Our score delivers exactly that - based on the largest pool of creditworthiness-relevant data in Germany and decades of scoring expertise.
Thanks to regular validation and the consideration of developments in consumer and financial behavior - such as the increase in mini-loans or the more intensive use of comparison portals - our credit score offers the highest level of topicality and quality. This creates a fair and comprehensible basis for assessment that meets your customers' expectations.
Our score can be seamlessly integrated into your processes - for fast credit checks, well-founded decisions and a smooth customer journey.
A first in the market: we are the first credit agency in the world to make our score transparent. This strengthens acceptance among your customers - and creates trust in your risk processes.
In order to exploit the full potential of your existing customers, it is crucial to be informed about relevant customer changes at all times. This is the only way you can react flexibly and identify risks at an early stage. With our follow-up reports, you receive up-to-date creditworthiness information and can act immediately as soon as something changes with your customers. This means that important information such as the creditworthiness of existing customers is always up to date.
- Unique range of information relevant to creditworthiness
- Automated credit check in real time - without disrupting the customer journey
- Always up-to-date data as an optimal basis for effective risk management
- Well-founded forecasts help with decision-making
Modern business life is becoming increasingly digital - and therefore more complex. In order to reliably check your business partners' ability to pay and deliver, you need precise, ad hoc information.This is exactly where our credit reports come in: They provide you with well-founded credit ratings in real time.
What is special about our creditworthiness information: Our unique data pool includes both company data and personal data. This means that the payment experience of company owners and authorized representatives can also be taken into account when checking the creditworthiness of companies. This can be a clear advantage, especially for smaller companies with a strong owner structure, as the private and business financial behavior of decision-makers are often linked.
Depending on your individual risk profile, you will receive B2B information in the depth of information you require. This can be basic data for a quick creditworthiness assessment or comprehensive information for the most in-depth knowledge possible.
You receive the creditworthiness information as clearly structured facts in a compact overview.
Our credit reports include:
- Einen präzisen Bonitätsindex
- Angaben zur Ausfallwahrscheinlichkeit
- Eine Kreditlimitempfehlung
As business risks do not stop at national borders, we offer you not only national business information, but also creditworthiness-relevant data on companies from over 200 countries.
Thanks to a globally standardized structure, our credit reports are optimally comparable - for reliable decisions, no matter where your business partner is located.
After the deal is before the deal. That's why we offer you a monitoring service for your existing customer portfolio to complement our credit reports. This enables you to keep an eye on the development of your business partners and stay informed about changes. This allows you to keep an eye on your business risks at all times and react quickly if necessary.
- Business information in real time - nationally and globally
- Scope of information according to your needs and business risk
- Market-leading selectivity in the assessment of smaller, strongly owner-managed German companies
- Monitoring options for long-term business relationships
Broad database: We know your target group
We have creditworthiness information on 69.1 million natural persons and 6.6 million companies - supplemented by a comprehensive pool of international data.
Up-to-date and high quality
We continuously receive new or updated information from our partners, thus ensuring high data quality and up-to-dateness. The entire network benefits from this - thanks to the principle of reciprocity.
Data protection has top priority
Handling sensitive data responsibly is a matter of course for us. We set the highest standards for data protection and data security - and provide objective information that you can rely on.
It's as simple as that:
① Get in touch and become a SCHUFA customer
Fill out the
② Benefit from the unique data pool
Receive precise creditworthiness information - in real time and directly integrated into your processes.
③ Making good decisions for good business
Our reliable information and sound forecasts form the basis for secure business and sustainable growth.