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

The criteria used to calculate the new SCHUFA score can be found here.

To determine the score values of the , the stored data is summarized in so-called data types:

• Previous payment defaults
  • If you have not fulfilled transactions with a financial default risk in the past (e.g. installment loans, cell phone or mail order contracts), the number, type and duration of payment defaults can be included in the score.
• Credit utilization
  • The number, type, duration and scope of the transactions you have concluded with a financial default risk are information that can be taken into account in scoring, especially if they were concluded with different companies.
• Credit activity last year
  • Whether and how many transactions with a financial default risk you have requested and actually concluded in the last twelve months can be taken into account.
• Length of credit history
  • This type of data includes how long we have known about credit relationships, e.g. current accounts or credit cards, with a person or how long they have been stored at SCHUFA. Longer credit histories can be an indication of experience in dealing with financial obligations.
• General data
  • This includes data such as the date of birth or the number and date of the last processing of addresses once used in business transactions. An identity card check on which the transaction is based may also play a role.

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, ordering a copy of the personal data (in accordance with Art. 15 GDPR) has no influence on the scoring. In addition, SCHUFA takes into account the provisions of Section 31 BDSG when scoring.

Here you can find more information about .