Select Credit Report

Please choose a provider for your credit report.

Ad blocker enabled

An ad blocker is enabled in your browser. Please note that not all contents of the site can potentially be displayed correctly depending on the ad blocker settings.

SCHUFA Score: Meaning, Calculation & Impact on Renting

The SCHUFA score estimates the probability of fulfilling payment obligations reliably.

The SCHUFA score is a probability value that evaluates a person’s creditworthiness. It plays an important role in loan approvals, mobile phone contracts and especially when applying for rental housing in Germany.

What is the SCHUFA score?

The score is calculated by Schufa based on stored contract and payment history data. It indicates the statistical likelihood that payment obligations will be fulfilled properly.

The higher the score, the lower the perceived risk of default.

How is the SCHUFA score calculated?

The exact calculation formula is not publicly disclosed. However, it is known that the following factors may be considered:

Past payment behavior
Number and type of existing contracts
Ongoing loans or financing agreements
Possible negative entries

Income or assets are not directly stored by SCHUFA.

What is considered a good SCHUFA score?

A score above 97% is generally considered very good. Values between 95% and 97% are often seen as good. Lower values indicate a higher statistical risk.

Exact thresholds may vary depending on the landlord or institution.

How does the score affect rental applications?

Landlords use the SCHUFA score to assess the risk of unpaid rent. In many cases, a compact credit certificate is sufficient and does not disclose detailed contract information.

Credit check for your rental application

For rental applications, a structured credit certificate tailored to landlords’ requirements is usually sufficient.

Learn more about the credit check

You can find general information about SCHUFA here:

Overview of SCHUFA explained

Frequently asked questions about the SCHUFA score

What does a SCHUFA score of 100% mean?

A very high value indicates a very low statistical risk of default.

Is a SCHUFA score of 95% good?

In many cases, yes. Scores above 95% are generally considered solid to good.

Can I improve my SCHUFA score?

Monitoring your stored data regularly and paying bills on time can have a positive effect over time.

Do landlords see my exact SCHUFA score?

Often landlords receive a credit confirmation rather than the exact percentage value.

How often is the SCHUFA score updated?

It is updated regularly based on newly reported contract and payment data.

Note:
Our content is carefully researched and regularly updated. It provides general guidance on creditworthiness and apartment hunting and does not replace individual legal or financial advice.

The content on this page is protected by copyright.

More topics about Credit check

SCHUFA Credit Report & Score Explained for Rentals

The Schufa is Germany’s best-known credit bureau. When applying for an apartment, many landlords request a SCHUFA credit report to assess financial r...

Deleting a SCHUFA Entry: Rights, Deadlines & Procedure

A negative SCHUFA entry can make renting an apartment more difficult. Many people therefore ask: Can I delete a SCHUFA entry? When is deletion poss...

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...

SCHUFA Credit Check for Apartment Applications

A SCHUFA credit check is a key component of many rental applications in Germany. It provides landlords with a compact confirmation of your creditwort...

Follow us on

Welcome to our business section!

Company Name *

First Name *

Last Name *

Email Address *

Password (8 - 64 characters) *

I understand and accept the General Terms and Conditions.

Already have an account? Sign In

Nice that you stop by!

First Name *

Last Name *

Email Address *

Password (8 - 64 characters) *

I understand and accept the General Terms and Conditions.

Already have an account? Sign In

Please enter a valid Email Address and/or Password. Unknown Email Address or Password. Please try again.

Welcome back

Nice to see you are back! To benefit from all features available on WG-Gesucht.de, please log in. We wish you much success.

Email Address:

Password:

Forgotten Password?

Remember Me

You have not ticked the first checkbox and thus, have not agreed to the processing of your personal data. This means that you will not be able to use WG-Gesucht.de. In this case, your account has to be deleted according to the Data Protection Regulation.
Please contact our customer care on kontakt[at] wg-gesucht[dot]de in case of any questions regarding data protection.
Are you sure that you really want to delete your account?

Incorrect Email Address/Username or Password.

An error occurred while deleting your account. We apologize for the inconvenience.

Don’t have an account?

You have not ticked the first checkbox. Thus, you will not be able to use your account anymore. Please note that nothing will change with the handling of your data at WG-Gesucht.de after May 25th. You have already agreed to our Terms and Conditions and to the data protection information with the creation of your account. However, the EU law obliges us to request the agreement again.

Would you like to continue as a Premium Member?