Drag the slider to your Basisscore (0 to 100). You see the rating band, the published default-risk orientation value, the typical outlook for rentals and loans and the main actions, ordered by impact. Everything is calculated in your browser.
A
97.5+
B
95+
C
90+
D–E
80+
F–L
50+
M–P
0+
Above-average score. Approvals are the norm; some premium lenders may ask for extra income proof.
Rental applications
Typically approvedLoan applications
Typically approvedWhat to do, ordered by impact
Order your free annual Datenkopie (Art. 15 DSGVO) to see every entry SCHUFA holds on you.
Dispute incorrect or outdated entries in writing — SCHUFA must investigate within 30 days.
Close dormant accounts (credit cards, old phone contracts) you no longer use — fewer open lines can lift the score.
Avoid opening new credit lines or running many loan inquiries in the 3 months before a big application.
Next step: your Datenkopie
Clario highlights negative entries in your Datenkopie, flags entries that look incorrect and prepares the dispute letter to SCHUFA for your approval. Response deadlines are tracked for you.
Create an accountThe default-risk percentage is the published SCHUFA orientation value for the band: a figure for the whole population, not your personal probability of default. Rental and loan outlooks are qualitative market observations, not SCHUFA data. For important decisions, order your Datenkopie free of charge under Art. 15 GDPR and talk to a Schuldnerberatung. Orientation only, not legal or financial advice.
Nothing is saved. For a scan of your full Datenkopie, a dispute letter prepared for your approval and a response-deadline reminder, create an account.
SCHUFA publishes rating categories from A (best) to P with an orientation value for the default risk of each band.
The orientation value describes a band across the population. It is not your personal probability of default.
These are qualitative market observations by Clario, not SCHUFA data. Landlords and lenders decide for themselves.
You can request your data free of charge once a year under Art. 15 GDPR and check every entry before you apply.
Incorrect entries can be disputed in writing and outdated ones can be deleted. Start with your Datenkopie.
If the score is very low, a Schuldnerberatung can negotiate with creditors and is free of charge in many places.
Create an account to scan your Datenkopie for negative entries and prepare a dispute letter that only leaves after you approve it.