You need to be logged in to get access to the forums. You can do so here.
Schufa-Auskunft
Posted on 29.10.2009 19:49
Schufa-Auskunft
I just received my personal SCHUFA-Auskunft. It is 92.3%. What does this mean ? Is it a good credit score ?
Hilton
Member since 26.10.2009
Posted on 29.10.2009 22:44
Re: Schufa-Auskunft
Yeah, it's OK, I got a credit for a house with a 80% credit, but in about 6 to 9 months you will be reaching around 98%.
D.
NoBody
Member since 20.11.2003
Posted on 30.10.2009 06:13
Re: Schufa-Auskunft
Thanks NoBody. Could you please give some more info ?
What is meant by 80% or 90% Schufa score ?
Which one is considered as better ?
If I apply for a mortgage, with which Schufa score, banks may reject my application ? (e.g.: 90%..80%..60% ?)
If I take a mortgage, will the Schufa score change? Or, is it changed with late payments of the bills/no payments etc.`?
Hilton
Member since 26.10.2009
Posted on 30.10.2009 09:07
Re: Schufa-Auskunft
The score is the %age of chance you have to pay a credit according to your previous credits past, or any money you had to repay.
IT changes when for example you have to pay back say a certain amount to a creditor, this can be a phone company, a bank... and you pay it late or not at all after receiving 3 reminders.
In the reminder is always notified that your lack to pay will make them notify the Schufa and in this case, you score will directly go down.
The score is updated every 3 months and as said, I had a score of 80% due to some problems I had in the past, that was back in September last year (the score, not the problem because one year from there, my score was around 65%) but now, I just checked before writing this message, my score is of 94%, last updated 1 month ago.
You can register to the Schufa to have a view of every movement of your score and request made to be checked by institution at www.meineschufa.de, you'll get a card per post to login in and be notified every time a movement is done per SMS and/or mail for you to check. I did that 2 years ago and I'm quite pleased with it.
D.
NoBody
Member since 20.11.2003
Posted on 01.11.2009 22:28
Re: Schufa-Auskunft
@NoBody
is that Service in meinschufa.de is free of cost?
thank you
justdoit
Member since 11.10.2009
Posted on 02.11.2009 11:00
Re: Schufa-Auskunft
No, it is not free. You need to pay 15,60 € (one time fee).
More details from the Schufa webpage:
https://www.meineschufa.de
UMTS11
Member since 02.02.2006
Posted on 04.11.2009 16:46
Re: Schufa-Auskunft
anyone know, how long this fee is valid? May be I missed but I didnt find how long its valid?
Another question, if I register for this service with 15.60Euro - can I see who/which company is claiming money and how much in the online portal? Or, just the score?
Thanks for your reply...
Moiin
moiin76
Member since 04.11.2009
Posted on 04.11.2009 17:06
Re: Schufa-Auskunft
>>anyone know, how long this fee is valid? May be I missed but I didnt find how long its valid?
You just pay one time and use the service till you die.
>>Another question, if I register for this service with 15.60Euro - can I see who/which company is claiming money and how much in the online portal? Or, just the score?
You can see the score as well as the mobile contract details, your loans and duration, credit request etc etc
https://www.meines...oschuere-englisch.pdf
raj
Member since 27.01.2004
Posted on 04.11.2009 17:40
Re: Schufa-Auskunft
that's sad, we cannot use it after death! 
just kidding... Thanks Raj for the answers!!
Actually, I am suspecting that a bank will claim some money from me as I did not close that officially. But I don’t know yet how much it will be!! I have seen in another topic that in similar cases we have to pay as it is our fault. Is there any way to request people for less fines or even discard the fines? By the way, they did not send me any mahnung till now, I just communicated with them for a new service and then came to know it unfortunately (once I went to the bank and the employee said that its already closed automatically as I didn’t use that account after opening it)!
moiin76
Member since 04.11.2009
