Entdecken Sie hier alle wichtigen Informationen zu Ihren Rechten im Zusammenhang mit der SCHUFA. Erfahren Sie, wie Sie sich bei uns beschweren und wie wir Ihnen behilflich sein können.
Here you will find an overview of all relevant information about SCHUFA & your rights.
If you believe that something is wrong with your personal data stored by SCHUFA, simply notify our Private Customer Service and we will clarify the matter. As a rule, we will contact the company from which the data originates. If the information stored is actually incorrect or if there is reasonable doubt as to its accuracy, it will be corrected or deleted as quickly as possible.
The data is deleted automatically on the basis of the specified storage periods.
| What information? | When will it be deleted from SCHUFA? |
| Trouble-free loans | Three years after completion |
| (Credit) inquiries | After twelve months |
| Undisturbed contracts (current accounts, basic accounts, credit cards) | Immediately after notification of termination/termination by the company to SCHUFA |
| Previous addresses | Stored for three years. Previous addresses are important information for identification and can prevent personal confusion. For this reason, storage can be extended for a further three years in each case if no new pre-addresses are added. |
| Attachment protection accounts, basic accounts | Immediately after notification of termination/termination by the company to SCHUFA |
| Data from debtor directories | After three years, but earlier if SCHUFA receives proof of deletion from the central enforcement court |
| Consumer/ Insolvency proceedings | Six months after the end of insolvency proceedings |
| Residual debt discharge proceedings | Six months after the residual debt discharge is granted |
| Rejected Insolvency proceedings or refusal of residual debt discharge | Mirroring the respective directory in which the information was published (six months or three years to the day) |
| Information on unfulfilled payment obligations such as e.g. undisputed, due and repeatedly reminded or titled claims | Deletion takes place three years to the day after settlement. Claims covered by a discharge of residual debt are deleted six months after the discharge of residual debt is granted |
SCHUFA is a member oftheassociation "
In addition to the GDPR, the association's
Is compliance with the deletion deadlines monitored?
Compliance with the association's quality standards is monitored by an independent monitoring body.
If there are any discrepancies regarding data storage or compliance with deletion deadlines, you can contact them. The complaints office can clarify your concerns without you having to involve a lawyer.
Contact details of the monitoring body:
- TIGGES DCO GmbH
- Complaints Credit Agencies -
Zollhof 8, 40221 Düsseldorf
Phone: +49 211 819982-70
E-Mail:
Online:
Correction
Whenever you have the feeling that something is wrong with your SCHUFA data: Please get in touch with us. We will find out together what is missing or incorrect and can then correct it.
SCHUFA accepts information on corrections by telephone, post and online. (SCHUFA Holding AG, Privatkunden ServiceCenter, Postfach 10 34 41, 50474 Cologne, by telephone on +49 (0)611 - 92780 and via our enquiry form
Right of objection
The right to object to the processing of personal data is governed by the General Data Protection Regulation (GDPR). An objection is possible if there are special circumstances that outweigh SCHUFA's interest in the collection, processing or use; these include, in particular, situations in which data processing could pose a risk to the life and limb of the data subject, e.g. if the data subject is participating in a witness protection program or living in a women's shelter.
You can find more information
In order to assert their right to object, data subjects can send their request by post to SCHUFA for review, together with the relevant evidence.
Hardship regulation
SCHUFA examines hardship cases individually. Please contact us for this.
In the General Data Protection Regulation (GDPR), there are no longer any specific regulations on the question of how long credit agencies such as SCHUFA may store and use data.
In order to create legal certainty and clarity for consumers - but also for companies - the credit agencies in Germany, together with the responsible supervisory authorities, have agreed a Code of Conduct (CoC) to regulate the deletion periods.
The CoC creates a uniform standard for all credit agencies. Consumers want to fulfill their financial wishes quickly, securely and easily - lending companies want to reduce the risk of payment default. The CoC regulates how both interests can be brought together.
Uniform data protection
People rely on their data being protected and secure. Meeting this requirement is a top priority at SCHUFA.
In May 2018, the European General Data Protection Regulation (GDPR) came into force in all 28 member states. This created the conditions for uniform data protection standards across the EU. All organizations that process personal data must comply with the obligations of the GDPR - from large search engine operators to small businesses and associations.
"Legitimate interest" is a prerequisite for data transfer
With the GDPR, consumers no longer need to give their specific consent by signing a so-called "SCHUFA clause". The legal basis for the transfer of data to SCHUFA is the existence of a "legitimate interest" in data processing. This is legally regulated by Art. 6 para. 1 letter f) GDPR.
As before, the following applies to payment defaults, i.e. outstanding debts: they may only be reported to SCHUFA if the consumer has previously received two reminders, the first reminder was sent at least four weeks ago at the time of reporting to SCHUFA, the claim is undisputed and the consumer has also been informed of the possibility of data transmission to SCHUFA. This procedure is part of the contracts with companies that are affiliated to the SCHUFA procedure.
Scoring means that forecasts are made for the future based on past experience. Credit scoring is about the question of how likely it is that a person will meet their payments. This is very important information for banks and retailers. Here you will find the most important questions and answers about scoring.