The daily SCHUFA orientation value provides a statement about your creditworthiness. It is calculated at the time the SCHUFA credit report is created.

The lower the value, the lower the risk that payment obligations will not be met in the future. The lowest risk of non-payment is with a value of 100, the highest with a value of 600. Even if no information on payment defaults is available, there may be a risk of non-payment. The level of risk depends on how often payments in your peer group (= people with similar data) have defaulted in the past.

The SCHUFA orientation score is calculated from the weighted average of your SCHUFA industry scores, which SCHUFA has developed for specific industries and business types.