With the itsmydata Credit Pass, tenants can prove their solvency digitally – transparent, privacy-friendly and trusted by landlords.
Whether it’s a shared flat, rental apartment, or house — many landlords in Germany require current proof of creditworthiness. With the itsmydata Credit Pass, apartment seekers get a modern, transparent, and secure alternative to the traditional SCHUFA report. The digital credit check ensures GDPR‑compliant processing, fast issuance, and maximum control over personal data — ideal for a successful rental application.
Why a credit report is essential today
The housing market in many German cities is highly competitive. Landlords face numerous applications and need a reliable way to assess financial reliability. A credit check provides an objective basis for decisions: it shows whether payment obligations have been met in the past or if defaults occurred.
itsmydata as a SCHUFA Alternative — what’s behind it?
While SCHUFA has dominated credit reporting for decades, modern providers like itsmydata focus on privacy, transparency, and user‑friendliness. The credit check relies on data from the renowned bureau Regis24, which includes public debtor registers. The result is a compact, trustworthy view of potential negative entries — without unnecessary disclosure of contract details or positive data.
Advantages compared to SCHUFA (at a glance)
- No long‑term SCHUFA entry
- GDPR‑compliant, transparent data handling
- No impact on external credit scores
- Full control for the user
- No sharing of sensitive contract information
Advantages & Disadvantages of the itsmydata Credit Pass
| Advantages | Disadvantages |
|---|---|
| Issued within minutes | Only available to residents of Germany |
| Available online, easy to share | Validity limited to 90 days |
| Less data depth = more privacy | Not as widely known as SCHUFA |
| Verification code for landlords | No integrated score value |
| No impact on other credit bureaus | — |
Costs and Application
- Payment methods: PayPal, Sofort transfer, paydirekt, credit card (Visa & Mastercard)
- Requirement: Permanent residence in Germany
- Validity: Credit Pass valid for 90 days
- Download & sharing: PDF available within minutes after successful identification; includes a verification code
How the itsmydata Credit Check works
- Register: Create a free itsmydata account
- Start the check: Data retrieved via Regis24
- Evaluation: Analysis of potential negative entries
- Download & share: Save the Credit Pass as a PDF or send it directly to landlords
- Verification: Each report includes a code to verify authenticity
Conclusion — Make credit checking easy
A credit report is now a key part of any rental application. With itsmydata, you have a modern, digital, and privacy‑compliant alternative. Simple processing, strong security, and an independent data basis make the Credit Pass a powerful advantage in your apartment search.
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