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4. SCHUFA or itsmydata – Which Credit Report Is Right for You?

SCHUFA or itsmydata – Which Credit Report Is Right for You?

Many landlords require a credit report when applying for an apartment. But which option is more suitable – a SCHUFA credit report or the Bonitätspass from itsmydata? Here you’ll find a neutral comparison of the key differences.

Why is a credit report required for rental applications?

Landlords want to assess the risk of missed rent payments. A credit report confirms your financial reliability and helps build trust during the application process.

Both the SCHUFA credit report and the itsmydata Bonitätspass serve this purpose.

What do SCHUFA and itsmydata have in common?

• Confirmation of your creditworthiness for landlords
• Digital application process
• Data processed in compliance with privacy regulations
• Suitable for rental applications

Key Differences

When is SCHUFA the better choice?

If your landlord explicitly requires a SCHUFA credit report, or prefers a well-established certificate, SCHUFA may be the safer option.

You can find more background information here: All about SCHUFA explained

When can itsmydata be sufficient?

If no specific provider is required, the Bonitätspass from itsmydata can be a cost-effective alternative for your rental application.