With the new SCHUFA account, consumers can view all credit-relevant SCHUFA data digitally at any time directly at SCHUFA. SCHUFA usually updates the data on the 1st of each quarter. People can use the integrated explanation tool in the account to easily understand the new score based on their own data.

In accordance with Art. 15 of the General Data Protection Regulation (GDPR), persons receive a copy of the personal data stored about them at SCHUFA at the time of creation, all historically transmitted scores of the past 12 months and the new SCHUFA score determined at the beginning of the quarter on the free data copy.

The explanation tool in the free SCHUFA account always assigns the data to the corresponding criterion. This allows people to see directly which criteria influence their score. This cannot be shown in the paper form of the free data copy. This is why the new SCHUFA account is the more convenient alternative to the data copy.