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Emergency

Negative SCHUFA report by the bank: objecting and deleting

A negative report by the bank to SCHUFA can make loans, contracts, and even finding an apartment more difficult. Such reports are, however, tied to requirements. If a report is incorrect or impermissible, you have a claim to correction or deletion.

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Your chances of getting your money back

Negative entries may only be made under certain conditions, for instance in case of a claim that has a legal title or has been dunned several times and is undisputed. You have a right to information, correction of incorrect data, and deletion of impermissible entries (DSGVO).
If the claim is disputed, paid, or the report is formally incorrect, you can object to the bank and SCHUFA and demand deletion. Settled entries are also removed after deadlines.

What you should do now

  1. 1

    1. Obtain information

    Request your SCHUFA self-disclosure and check the entry.

  2. 2

    2. Check permissibility

    Clarify whether the requirements for the report existed at all.

  3. 3

    3. Lodge an objection

    Object to the bank and SCHUFA and demand correction or deletion.

  4. 4

    4. Secure evidence

    Prove payment, objection, or an error in the report.

How to spot the scam

  • A disputed claim is reported as undisputed.
  • A long-since paid entry remains in place.
  • The report was made without the required dunning notices.

Frequently asked questions

When may the bank report me negatively to SCHUFA?

Only under certain conditions, for instance in case of a claim that has a legal title or a claim that has been dunned several times, is due, and has not been disputed by the debtor. A report despite a disputed or paid claim is generally impermissible.

How do I object to an incorrect report?

Request your self-disclosure, check the entry, and object in writing to the bank and SCHUFA. Demand the correction of incorrect or the deletion of impermissible data, and enclose evidence, for instance of the payment or the objection to the claim.

When is an entry deleted?

Impermissible or incorrect entries must be deleted. Settled negative entries are also removed after fixed deadlines. If you justifiably dispute the claim or the report is faulty, you can demand immediate deletion.

Take action now

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General information for self-help, not legal advice (RDG). In case of a high loss or uncertainty: contact a consumer advice center or a lawyer.