Schufa Credit Bureau Skill Pack Files

Schufa Credit Bureau

Schufa Holding AG is Germany's largest consumer credit bureau. The consumer-facing self-service portal at app.schufa.de lets account holders view their credit score, browse stored contracts and inquiries, manage identity protection, and request data corrections. This pack documents the structure of the portal and — most importantly — the 2026 12-factor scoring methodology that replaced the previous opaque scoring model on 17 March 2026.

The marketing/info site at www.schufa.de is a separate property not covered by this pack.

What This Is Not

Schufa is a private credit bureau, not a bank. The portal does not let you transfer money, open accounts, or take out loans. It is a read-only consumer dashboard plus a data-correction request form. Score recalculation is not on-demand — it happens once per quarter automatically.

Authentication

Property	Value
Login URL	https://www.meineschufa.de/de/login → redirects into app.schufa.de
Method	Email + password + 2FA (SMS or authenticator app)
Session	Browser cookie; expires on close or idle timeout
SSO	None
Free annual data copy	Available separately via meineschufa.de → "Datenkopie nach Art. 15 DSGVO" (NOT the paid product)

Agents cannot log in autonomously without stored credentials and access to the 2FA channel. Treat Schufa as a session that must be hand-bootstrapped by the human, then handed off.

Global Navigation

The portal has four top-level tabs, always visible in a sticky banner:

Tab	URL	Purpose
Start	/	Dashboard / greeting, entry points to score and entries
Score & Bonität	/bonidata	Score overview, 12-factor breakdown, entries summary, personal data
Identitätsschutz	/identitaetsschutz (path tentative)	Data-leak monitoring service
Service	/service (path tentative)	Help, data correction requests, contact forms

The banner also contains a profile chip (top-right) showing the user's initials and linking to account settings.

Score Update Cadence

The Schufa score recalculates every 3 months. The portal displays the calculation date prominently (e.g., "Ermittelt am: DD.MM.YYYY"). Tier crossings (e.g., address aging from "3 years" to "4 years") only take effect at the next recalculation, not on the day the tier is crossed.

2026 Score Reform Summary

The reform of 17 March 2026 replaced the legacy black-box model with a transparent 12-factor point system scaled from 100 to 999. Each factor contributes a fixed maximum number of points; the total is the consumer's score.

Band	Score	Approximate share of population
Hervorragend (Excellent)	776–999	varies
Gut (Good)	709–775	~20%
Akzeptabel (Acceptable)	642–708
Ausreichend (Sufficient)	100–641
Ungenügend (kein Score)	— (insufficient data)

The 12 factors (full tier tables and methodology live in the score/ module):

#	Factor	Max P	Type
1	Keine Zahlungsstörung (no payment defaults)	264	History
2	Keine neuen Konto- & Kreditkartenanfragen (last 12mo)	117	Recency
3	Weitere Anfragen außerhalb Bank (last 12mo)	99	Recency
4	Keine neuen Ratenkredite (last 12mo)	66	Recency
5	Immobilienkredit vorhanden	55	Asset
6	Bestätigte Identität	38	Verification
7	Ältester Bankvertrag (age)	69	Stability
8	Kein laufender Rahmenkredit	36	Debt
9	Aktuelle Adresse (age)	94	Stability
10	Keine Kreditkarte / Alter ältester Kreditkarte	81	Stability
11	Längste Restlaufzeit aller Ratenkredite	61	Debt
12	Laufender oder erledigter Ratenkredit (status)	19	History
	TOTAL	999

Key Vocabulary

The portal mixes German banking terms that map to specific scoring behaviors. Agents must distinguish them:

Term	English	Scoring relevance
Kreditkarte	Credit card (Visa/Mastercard, separate billing)	Factor #10
Dispokredit / eingeräumte Kontoüberziehung	Overdraft on a checking account	Counted under the Girokonto contract (factor #7), not as a Kreditkarte
Rahmenkredit	Standalone revolving credit line	Factor #8
Ratenkredit	Installment loan (consumer, auto, Bauspardarlehen)	Factors #11, #12; new ones hit factor #4
Immobilienkredit / Kredit (grundpfandrechtlich gesichert)	Mortgage / mortgage-secured loan	Factor #5; excluded from factor #4
Bonitätsprüfung Kreditkonditionen	Konditionsanfrage — rate-shopping inquiry	Does not affect score
Bonitätsanfrage / Kreditanfrage	Hard inquiry tied to an actual application	Counts toward factors #2 or #3
Zahlungsstörung	Payment default (after at least 2 written reminders)	Catastrophic for factor #1
Bonität	Creditworthiness	The whole score concept
Datensatznummer	Schufa record ID	Personal identifier on the data page

Module Inventory

Module	URL anchor	_skill.md	Brief description
start	/	30%	Dashboard / greeting, entry points to score and entries
score	/bonidata/ngs	90%	12-factor scoring methodology with full tier tables
entries	/bonidata	70%	Vertragsdaten (contracts), Anfragen (inquiries), Zahlungsstörungen, Personendaten
identity-protection	/identitaetsschutz	10%	Identity protection / data-leak monitoring (low coverage)
service	/service	10%	Help, data correction, contact (low coverage)

The score/ module is the unique value of this pack: every other section is a standard data view, while the scoring methodology is published nowhere else in this level of detail. Agents recommending credit-improvement actions should treat score/_skill.md as the source of truth.

Common Tasks for Agents

Task	Approach
Look up the user's current score	Navigate /bonidata, read the "Mein Score" card
Diagnose why a score is below "Hervorragend"	Navigate /bonidata/ngs, read factor list, identify gaps below max
Estimate a credit-improvement action	Cross-reference the action against the tier tables in score/_skill.md
Verify no errors in the credit file	Navigate /bonidata → Vertragsdaten + Personendaten, audit against user's records
Check for payment defaults	Navigate /bonidata → Zahlungsstörungen — must be 0
Confirm identity is verified	Navigate /bonidata/ngs → factor #6 "Bestätigte Identität" — must be +38 P

Gotchas

• The "Mein Score" carousel may show "Ungenügend (kein Score)" as one slide — this is generic explanatory copy about the score bands, not the user's actual score. The user's actual score is the labeled marker on the score card on /bonidata and the "Mein Score {N} von 999 Punkten" badge on /bonidata/ngs.
• Score changes are lagged. Tier crossings (e.g., address turning 4 years old) only register at the next quarterly recalc. A user who "just crossed" a tier will see their old tier until the recalculation date.
• Konditionsanfragen vs Kreditanfragen. Multiple rate inquiries on the same day are normal and harmless if they are flagged as "Bonitätsprüfung Kreditkonditionen". A bare "Bonitätsprüfung" or "Kreditanfrage" can hurt the score.
• Mortgages are not Ratenkredite. Despite both being long-term debt, Schufa treats them as separate factor inputs. Mortgages are excluded from the "new Ratenkredit" factor #4 and reward credibility via factor #5.
• The data copy ("Datenkopie nach Art. 15 DSGVO") is a separate, free product from meineschufa.de. The paid app.schufa.de subscription is what powers this portal. Casual visitors are funneled toward the paid product; pointing them at the data copy is a common consumer-rights tip.