Schufa Credit Bureau Skill Pack Files

Service & Support

The "Service" tab is the help / support entry point. Surface coverage only — full module discovery pending. Documents what is known about the consumer-rights surfaces that live here or are reachable from here, including the free Art. 15 DSGVO data copy and the entry correction flow.

Adjacent surfaces (known)

Data correction request (cross-cutting)

Every contract and personal-data detail page exposes a "Diesen SCHUFA-Eintrag korrigieren" or "Änderungen mitteilen" CTA. Both route to a contact form that submits a correction request to Schufa. Typical fields:

• What entry should be corrected
• What the correct value should be
• Supporting context / explanation

Schufa processes corrections asynchronously. The corrected entry appears at the next quarterly recalculation.

Free annual data copy (Art. 15 DSGVO)

Not part of the paid app.schufa.de portal. Available separately from meineschufa.de under the "Datenkopie nach Art. 15 DSGVO" link. This is the legally mandated free annual disclosure of stored data.

The portal funnels casual visitors toward paid subscriptions; agents helping users understand their data should point them at the free data copy unless they need the portal's interactive features.

Speicherfristen (retention rules)

Schufa publishes its data-retention rules at schufa.de/loeschfristen. Linked from every contract and inquiry detail page. Key retention windows (subject to change):

Data type	Retention
Paid Forderung (post-2026 reform)	100 days after full payment
Resolved Zahlungsstörung	Up to 3 years (older rule)
Closed contracts	Retention by contract type, generally up to 3 years post-closure
Inquiries	12 months (visible to creditors); some types stored longer internally

Common Tasks (anticipated)

Task	Approach
Open a support ticket	Navigate /service, find contact / ticket form
Request a data copy	Use the free meineschufa.de flow, not the paid portal
Dispute an entry	On the specific entry's detail page, click the correction CTA
Check retention dates	Visit schufa.de/loeschfristen (external static page)

Coverage Status

Module is at 10% — only the cross-cutting surfaces and tab label have been observed. A discovery pass is needed to enumerate:

• Exact URL pattern for the Service tab
• FAQ / help topic listing
• Live chat / phone / email options
• Ticket-tracking interface (if any)
• Subscription / billing management surfaces

Open Questions

• Is there a self-service unsubscribe flow for the paid subscription?
• Are there different support tiers depending on the product subscribed?
• Is there an SLA on data-correction request response time?