Topic
SCHUFA and credit records in Germany
What a SCHUFA record is, who asks for it and how to obtain your own copy.
2 pages · last verified 19 September 2026
Answers
- SCHUFA reports
A private credit agency, not an authority. What a thin file means and how to get your own copy.
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- Getting your SCHUFA data
The free data copy is your access right; the landlord certificate is a separate paid document.
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From answer to workflow
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