Your Schufa record will be created as soon as you open a bank account or a phone / cable contract in Germany.
Did you know that most furnished apartments in Germany ( listed in Spotahome, Wunderflats) do not ask for a Schufa? If you are looking for your first apartment, this can be an effective method.
How do I get a Schufa for free
You have all the right to see the data anybody saved about you. Schufa Holding AG - the company who issues Schufa is not exempted. You can use this rule in your favor for requesting a free Schufa report.
However, the free Schufa report may look different from the paid one. But, both the reports have the same information.
Go to the Schufa data copy page on the Schufa website and enter your personal information and submit the form. Though the form asks for your passport and other informatoin, you only need to enter your name and address. Other details are not mandatory.
A few days later, you will receive your Schufa Datenkopie by post. Unfortunately, you cannot get it by email.
How different is free Schufa from the paid one?
Well, it does not appear to be that different at all. It will actually be the main Schufa certificate that only the landlord and other parties will care about. It is important to note, however, that the inner pages of the paid version contain quite a bit more detailed information about your transactions. Compared to the free Schufa, it would contain much more information.
Moreover, a paid Schufa record extract provides you with a Schufa score, which may be of interest to the banks.
Get Schufa instantly
You can also get Schufa instantly by paing 30€. You have this option in meinechufa.de. Websites like immobilienscount24.de or immowelt also offer Schufa services for a fee.
On your way to Germany
You can find all the information you need about living and working in Germany at www.expatova.com.
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