Creditworthiness scores that we determine for consumers are based on the data stored about you at SCHUFA, which are also shown in the data copy in accordance with Art. 15 GDPR or can be viewed in the SCHUFA account. On this basis, an allocation is then made to statistical groups of persons who had a similar database in the past.

The following twelve criteria are decisive for determining creditworthiness scores:

Criterion 1: Payment disruptions

Criterion 2: Age of the oldest bank contract

Criterion 3: Age of the oldest credit card

Criterion 4: Age of the current address

Criterion 5: Age of the most recent framework loan

Criterion 6: Number of inquiries and transactions for current accounts and credit cards in the past 12 months

Criterion 7: Number of inquiries outside the banking sector in the past 12 months

Criterion 8: Installment loans taken out in the past 12 months

Criterion 9: Longest remaining term of all installment loans

Criterion 10: Credit status

Criterion 11: Real estate loan

Criterion 12: Existence of an identity check

Independently of credit scoring, SCHUFA supports its business partners in recognizing conspicuous circumstances, e.g. for the purpose of fraud prevention in the mail order business. Inquiries from our business partners are analyzed for this purpose. In addition to this inquiry data, information may also be included, for example, as to whether and in what function an entry exists in generally accessible sources for a public figure with matching personal data, as well as aggregated statistical information from the SCHUFA database.

Information on nationality or particularly sensitive data in accordance with Art. 9 GDPR (e.g. ethnic origin or information on political or religious views) is not stored by SCHUFA and is therefore not available for profiling. We also do not use any data from social networks. In addition, SCHUFA takes into account the provisions of Section 31 BDSG when scoring.

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