Schufa Credit Bureau Knowledge Modules

The Start page is the authenticated landing surface of app.schufa.de. It greets the user by first name and surfaces two primary CTAs — one routes to the score breakdown, the other to the stored data entries — plus a teaser card for the Identitätsschutz product. Verify the user is logged in. Navigate /, snapshot, assert presence of the "Hallo {firstname}," heading. If a login form appears instead, session expired. Jump to score detail. Click "Zur Score-Berechnung" — destination is /bonidata/ngs. Jump to data entries. Click "Zu den Einträgen" — destination is /bonidata. Confidence is low because only the surface layout has been observed; the help-modal contents, feedback-survey flow, and per-element a11y attributes have not been verified.

The /bonidata page is the consolidated view of what Schufa stores about the user. It pairs the score summary with four data categories: Anfragen (inquiries), Vertragsdaten (contracts), Zahlungsstörungen (payment defaults), and Personendaten (personal data + reported addresses). Each category is a click-through to a detail list. Both cards show "Aktualisierung: alle 3 Monate" — entries and score recalculate once per quarter. The "Ermittelt am" date is the cutoff for the current snapshot. List of every Bonitätsprüfung filed in the last 12 months, ordered most recent first. Each entry shows date + inquiry type + requesting company. Inquiry types observed: Common requestors: Consumer banks running rate-shopping inquiries, mobility platforms, online retailers running BNPL credit checks, telecom providers, insurance providers. Per-inquiry detail page shows the full company name, the legal basis, and the data shared. List of every contract Schufa has on file, ordered most recent first. Each entry shows the report date, contract type, and provider. Contract types observed: Per-contract detail page shows: Contract type + provider (legal name)"Übermittelt am" (date reported to Schufa)For Ratenkredit: Fälligkeit 1. Rate, Kontonummer, Kreditbetrag, Anzahl Raten, Zahlweise"Enthalten in der Score-Berechnung vom DD.MM.YYYY" link with chips for the factors this contract feeds (e.g., "Längste Restlaufzeit aller Ratenkredite", "Kreditstatus")"Speicherfrist" explanation card with link to schufa.de/loeschfristen"Diesen SCHUFA-Eintrag korrigieren" button → opens a contact form to dispute the entry List of registered payment defaults. Empty state displays: "Es liegen keine Zahlungsstörungen vor – alles in Ordnung!"

The "Identitätsschutz" tab markets a monitoring service that scans the open web and known dark-web data-leak collections for the user's stored personal data over the past 90 days. Surface coverage only — full module discovery pending. Teaser card observed on the Start page: The full Identitätsschutz dashboard has not been explored. Expected sub-features based on the teaser copy: Data submission form (email, phone, DOB, address) — what to monitorManual scan triggerScan results / history listPer-leak detail (source, exposed fields, mitigation suggestions)Notification preferences Module is at 10% — only the entry-point teaser has been observed. A discovery pass is needed to enumerate: Exact URL patternSubmitted-data form fields and validationScan trigger flow and async result deliveryLeak record schema (source, exposed fields, date)Notification mechanismsAny tie-in with the rest of the Schufa data model (does a leak hit affect the score? expected answer: no, since the 12 factors do not include identity-leak signals) Is the service included in the Schufa subscription or an upsell?How are matches scored / weighted? (e.g., partial matches vs full credential pairs)Does the service include credit-monitoring alerts when new entries appear in the Schufa file?

This module documents the 2026 Schufa scoring methodology in full, including every factor's complete tier table as published in /bonidata/ngs/* detail pages. It is the unique value of the pack — agents recommending credit-improvement actions should treat this file as the source of truth. The score is a single integer between 100 and 999. It is the simple sum of 12 factor scores, each capped at a published maximum. The system replaced Schufa's previous proprietary scoring on 17 March 2026. The /bonidata/ngs page is the user's personal score view. It contains: Each factor row navigates to a detail page at /bonidata/ngs/{factorKey} showing: The factor's name + the user's point awardA prose explanation of the criterionThe complete tier table with all possible point valuesFor some factors: the qualifying contract or data point (e.g., the address date that triggered the tier) The detail card displays a vertical bar chart with five bands: The user's score is drawn as a labeled marker on the appropriate band. The score is computed as score = Σ factor_i.points. Each factor is independent; there are no multiplicative interactions or weights beyond the per-factor maxima below. Factor key names are observed/normalized — actual URL paths may differ; the address detail page is confirmed at /bonidata/ngs/currentAddressAge. The single heaviest factor. Rewards a clean payment-default history. Criterion: "Alter erledigter Zahlungsstörungen / Inkasso-Anfragen" — age of resolved payment defaults / collection inquiries.

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. 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 correctedWhat the correct value should beSupporting context / explanation Schufa processes corrections asynchronously. The corrected entry appears at the next quarterly recalculation. 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. Schufa publishes its data-retention rules at schufa.de/loeschfristen. Linked from every contract and inquiry detail page. Key retention windows (subject to change): 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 tabFAQ / help topic listingLive chat / phone / email optionsTicket-tracking interface (if any)Subscription / billing management surfaces 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?