Overview
- - The new system replaces opaque formulas with one score built from twelve additive criteria and four bands ranging from “Adequate” to “Excellent.”
- - Schufa’s own data show 7.4% of people dropped one class and 0.6% fell two or more, while most stayed the same or improved.
- - Early user tests suggest younger people, recent movers, frequent online shoppers, and those without prior loans or who switched accounts can land lower because address age, longest account length, and many company queries weigh on points.
- - Consumers can now see their score, band, contributing criteria, and stored contract and inquiry entries in a Schufa account after PIN letter or eID login, with free updates quarterly and two‑factor authentication still pending.
- - Many lenders expect to rely on the old scores through late 2026 and into 2027, which means borrowing and rental decisions will reflect the change only gradually.