Overview
- From the end of March 2026, Schufa’s score will be computed from 12 criteria on a 100–999 scale, with higher values indicating stronger creditworthiness.
- Consumers will view their score free of charge after a one-time registration for a Schufa-Account, with access rolled out via a waitlist in the app and online portal.
- The digital portal will show which entries influence the score and how behavior changes affect it, with stored data slated for quarterly updates.
- Schufa’s existing score simulator currently aligns with the real score class in roughly 60% of cases, offering only a provisional guide until the official rollout.
- Consumer guidance highlights disciplined credit card use: one to two cards with full monthly repayment are generally favorable, whereas multiple cards or revolving balances can hurt the score; retirees should also expect lower net pensions in March due to higher health-insurance contributions.