SCHUFA explained
Understand SCHUFA
SCHUFA is Germany's credit record, and landlords often ask for a SCHUFA report when you apply for a flat. You do not need to open extra products to build a score: SCHUFA's own advice is to pay your bills on time and keep your finances simple. A clean payment history on the accounts you already have is what helps over time. You can check your data in the SCHUFA app (Android / iPhone) or request a free data copy from SCHUFA.
SCHUFA offers a free data copy (Datenkopie) at schufa.de. (Source: schufa.de, checked on October 19, 2026.)