The approximately 10,000 SCHUFA contractual partners include institutions, financial companies and payment service providers based in the European Economic Area, Switzerland and other third countries* that bear a financial default risk.

SCHUFA contractual partners are, for example

• Banks, savings banks and cooperative banks
• Credit card, factoring and leasing companies

In addition, there are other contractual partners who use SCHUFA products, in particular from the

• (Mail order) trade and eCommerce
• Services, rental, energy supply, telecommunications, insurance or debt collection.

*(if a corresponding adequacy decision of the European Commission exists)