What is SCHUFA Record

Schufa ( Schutzorganisation für Allgemeine Kreditsicherung ) is a credit record. The schufa score goes down when you have unpaid bills or debts. SCHUFA Holding AG is the  private company keeping credit records of individuals in Germany.

The Schufa score starts at 100% and it reduces according to the debts and unpaid bills. It is advisable to stay away from financial related affairs and avoid the negative score. The negative record is saved for almost 3 years and more even after resolving the unpaid bills.Any change in address have to be updated in the site to avoid getting a fine later.

How to get a Schufa Record

The Schufa Record can be got from the company directly from their website www.meineschufa.com . Click on the Bonitätsauskunft on the homepage However it is done by the fee of 25Euros around.

The Schufa record will be held for a very long period even after you leave Germany for years. So better to clear all the unpaid bills before you leave the country because you may face serious issues when you decide to come back again to Germany