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Emergency

Free SCHUFA self-disclosure: view the data stored about you

Credit agencies such as SCHUFA store data about your creditworthiness. You have the right to receive a copy of this data free of charge once a year, and under the DSGVO in principle at any time. This is how you spot false or outdated entries that worsen your credit rating.

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

Request a copy of your data →

Your chances of getting your money back

You have a claim to a free copy of the data stored about you by a credit agency (Art. 15 DSGVO). That is more than the advertised credit report and shows you all stored entries.
You can have false or outdated entries corrected (Art. 16) or deleted (Art. 17). Settled claims and old data are subject to fixed deletion periods.

What you should do now

  1. 1

    1. Request the data copy

    Request the free data copy under Art. 15 DSGVO, not the paid credit report, but the complete copy.

  2. 2

    2. Check the entries

    Check all entries for accuracy, timeliness and completeness.

  3. 3

    3. Challenge errors

    Demand correction of false entries and deletion of impermissible or outdated ones.

  4. 4

    4. Escalate

    If it is not corrected, file a complaint with the data protection authority and consider damages if there are disadvantages.

How to spot the scam

  • An entry that was paid off long ago still shows as open.
  • There are entries for contracts you never had (possible identity theft).
  • Outdated data is stored beyond the deletion periods.

Frequently asked questions

Is the SCHUFA self-disclosure free?

Yes. You have a claim to a free copy of your stored data under Art. 15 DSGVO. This is independent of the often advertised paid credit report.

What do I do about false entries?

Demand correction (Art. 16) or deletion (Art. 17). Settled claims and old entries are subject to fixed deletion periods. Have documents ready (for example proof of payment) to correct errors.

Why is the self-disclosure important?

Because false or outdated entries worsen your credit rating and can cost you a loan, a phone contract or an apartment, for example. With the self-disclosure you spot errors and can have them corrected.

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.