What is new?
The new guide explains step by step:
- what SCHUFA is and what it does,
- which data is stored – and which is not,
- how the score from 100 to 999 works,
- why newcomers often have no score yet,
- how to get a free copy of your data once a year,
- what you can do if something is wrong.
Who is affected?
This matters to you if you:
- want to rent a flat,
- need a bank account or a loan,
- are new in Germany and have no SCHUFA entries yet,
- want to know what is stored about you.
What should you do?
- Read the guide in your language.
- Check your free data copy once a year.
- If something is wrong, ask for a correction.
- Only give landlords the documents they really need.
When does it apply?
The guide has been available in all seven languages since 6 October 2026.
Related guide
MeaNext summarizes official information clearly. This is not legal advice. Always check the linked official source for important decisions.
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