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Emergency

Having a wrong credit report corrected

Credit agencies such as Schufa store data that influence your creditworthiness. If this data is wrong or outdated, that can complicate contracts, loans and the apartment search. You have a right to information, correction and deletion.

Reach your next steps and the matching ready-made texts in just a few minutes, free of charge:

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Your chances of getting your money back

You have a claim to information about the data stored on you and to correction of inaccurate data (Art. 15, 16 DSGVO). Impermissible or resolved entries must be deleted; special rules apply for scoring (§ 31 BDSG).
Once a year a free data copy is possible. Wrong entries you can dispute with the credit agency and the reporting company and demand their correction.

What you should do now

  1. 1

    1. Request your own data

    Request the free data copy from the credit agency and check all entries.

  2. 2

    2. Name the errors

    Mark wrong, outdated or impermissible entries.

  3. 3

    3. Demand correction

    Dispute the entries with the credit agency and reporting company with evidence.

  4. 4

    4. Enforce deletion

    Demand the deletion of impermissible entries and check the result again.

How to spot the scam

  • A long-since paid or disputed entry remains.
  • Data is outdated or belongs to another person (mix-up).
  • A loan rejection is based on wrong scoring data.

Frequently asked questions

How do I get information about my credit data?

You can request a data copy from the credit agency under Art. 15 DSGVO, once a year free of charge. From it you can see which data is stored and which companies reported it. Check the entries for accuracy and currency.

How do I have wrong entries corrected?

Dispute inaccurate or impermissible data with the credit agency and the reporting company and demand correction or deletion (Art. 16, 17 DSGVO). Enclose evidence, for example of a payment or an objection. The credit agency must examine the information.

What can I do about a bad score?

If the scoring is based on wrong data, have it corrected: that can improve the score. Special legal requirements apply for scoring (§ 31 BDSG). Purely automated decisions with a significant effect are only permitted to a limited extent and can be questioned.

Take action now

We put together the ready-made texts and the right places to contact for you.

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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.