Overview
- The new model replaces percent-based ratings with a points scale and limits inputs to 12 published criteria.
- Consumers can now view their score at any time through a Schufa account that requires identity verification.
- Schufa plans to add an in-account explanation of how the score is calculated and free alerts for first-time negative entries.
- The Verbraucherzentrale NRW cautions that banks, landlords and retailers may continue using older Schufa scores during the transition.
- Advisers flag risks for younger people and note that frequent credit checks for purchases on invoice or BNPL and repeated provider switching can lower points, while consumers can still request a free GDPR data copy to correct errors such as wrongful debt-collection reports.