Changes to the score are completely normal. This may be the case, for example, if you take out a new financial product or buy in installments. We are also bound by the Code of Conduct regarding review and storage periods. This means that SCHUFA has undertaken to delete data after specified periods of time. Depending on the criteria, this can improve or worsen your score. However, changes do not always have to be based on newly reported information or information that has been deleted in the meantime. For example, it also plays a role how long a contractual relationship has existed. This can improve your score without there being any changes in the SCHUFA database at first glance.

You can find further information on scoring under