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Emergency

Wrong Schufa entry? How to have it deleted or corrected

A negative or outdated Schufa entry can cost you an apartment, a loan or a phone contract. If the entry is wrong, unfounded or settled, you have clear rights to correction or deletion under the GDPR.

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Your chances of getting your money back

You have a right to a free copy of all data stored about you (Art. 15 DSGVO), so you can see what is really recorded.
You must be able to have wrong data corrected (Art. 16 DSGVO), and unlawful or settled entries deleted (Art. 17 DSGVO; deadlines among others under § 31 BDSG).

What you should do now

  1. 1

    1. Request a data copy

    Demand the free self-disclosure or data copy (Art. 15 DSGVO) and check every entry for accuracy and being up to date.

  2. 2

    2. Challenge what is wrong in writing

    Ask the credit agency to correct wrong entries (Art. 16) or delete unlawful or settled ones (Art. 17), with a deadline and proof.

  3. 3

    3. Start with the creditor

    Often the error is with the reporting company. Demand the correction of the report there too.

  4. 4

    4. Use your right to complain

    If that does not help, you can complain to the data protection supervisory authority of your federal state (Art. 77 DSGVO).

Frequently asked questions

When must a Schufa entry be deleted?

Wrong entries must be corrected or deleted. Settled claims are deleted after fixed deadlines (for example day-precise deletion of settled debt collection data after a short period; others after annual deadlines, § 31 BDSG / codes of conduct). You can challenge unfounded or disputed entries.

Does the Schufa disclosure cost anything?

No. The data copy under Art. 15 DSGVO is free once. Do not let yourself be pushed into a paid subscription if you only want to check your data.

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.