How to get a free Schufa

Once you have found an apartment, you must apply for it. When you apply, you must usually include a SCHUFA in your application. The Schufa is the German equivalent of a credit score. A good Schufa score shows that your landlord can trust you to pay the rent every month.

A Schufa record is automatically created for you when you register at the Bürgeramt for the first time, when you open a bank account or when you sign up for a cellphone contract.

Do you have a Schufa record?

You get a Schufa record when you open a bank account or a cellphone contract for the first time. If you are new in Germany, you might not have a Schufa record yet. You can tell the landlord that you just moved to Germany, and they will understand.

Getting a Schufa for free

You have a legal right to see the data Schufa Holding AG has about you. This is why you can request a free Schufa report. It does not look like the one you pay for, but it contains the same information1. This free Schufa report contains all the information your landlord needs1.

  1. On this page, request a Datenkopie nach Art. 15 DSGVO.
  2. Fill the form with your information and submit it. You can attach scans of your passport and Meldebescheinigung, but this is not necessary.

You will receive your Schufa Datenkopie by mail a few days later. You can only get it by mail.

This is what the free Schufa report looks like.1

This is what the 30€ Schufa report looks like.

Getting a Schufa as fast as possible

If you need a Schufa now, it's easier to pay and get one from a bank. You can also use ImmobilienScout24's Schufa service, but it's not as reliable.

At the bank

Postbank and Volksbank branches will print out your Schufa even if you are not one of their customers. The service costs €29.95. Use the branch locator on meinschufa.de to find locations near you. This is the fastest, easiest way to get a Schufa.

  1. Go to a Postbank or Volksbank branch.
  2. Ask for a Schufa report.

With ImmobilienScout24

If you have a printer at home, you can get a Schufa from ImmobilienScout24 and print it yourself. You will be charged €29.95, but you can download and print it instantly.

This service does not work for everyone. You must verify your identity with your bank. Not all banks are supported. If your bank is not supported, you must send a verification document by mail and wait a few days. If your bank is not supported, you can ask for a refund on their live chat.

  1. Fill the form on this page.
  2. Enter your payment information.
  3. Verify your identity with GiroIdent. If that does not work, you must verify your identity by mail. This takes a few days, so it's easier to ask for a refund and get your Schufa from Postbank or Volksbank.

What's next?

Once you have your Schufa, you are ready to look for an apartment. After you find your apartment, you can leave your old place, move in, and register your address.