Schufa Credit Bureau Data Entries Overview — Knowledge Module

Data Entries Overview

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.

Page Structure

+-- Mein SCHUFA-Score card ----------+ +-- Einträge card -----------+
|  Ermittelt am: DD.MM.YYYY          | |  Ermittelt am: DD.MM.YYYY  |
|  Aktualisierung: alle 3 Monate     | |  Aktualisierung: alle 3 Mo |
|  [Score badge]                     | |  Anfragen        N  ▶      |
|  Band label                        | |  Vertragsdaten   N  ▶      |
|  [Zur Score-Berechnung]            | |  Zahlungsstörungen N ▶     |
+-----------------------------------+ +----------------------------+
+-- Gemeldete Personendaten card --+ +-- Der neue SCHUFA-Score --+
|  Personendaten   N  ▶            | |  [Score-Tutorial öffnen]   |
+----------------------------------+ +----------------------------+
+-- Feedback card -----------------+
|  [Zur Umfrage]                   |
+----------------------------------+

Calculation cadence

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.

Sub-pages

Anfragen — /bonidata/anfragen (path tentative)

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:

Type	Counts toward score?	Notes
Bonitätsprüfung Kreditkonditionen	❌ No	Konditionsanfrage — rate shopping, score-neutral
Bonitätsprüfung	⚠️ Maybe	Bare credit check; may count under factor #2 or #3
Bonitätsanfrage / Kreditanfrage	✅ Yes	Hard inquiry tied to application — hits factor #2 or #3
Identitäts-/Altersprüfung	❌ No	Identity/age verification only

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.

Vertragsdaten — /bonidata/vertragsdaten

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:

Type	Icon	Schufa factor relevance
Girokonto	bank	Factor #7 (Bankvertrag age)
Kreditkarte	bank	Factors #7 + #10
Ratenkredit	hand-coin	Factors #4, #11, #12
Kredit (grundpfandrechtlich gesichert)	hand-coin	Factor #5 (mortgage); excluded from factor #4
Leasingvertrag	bank	Factor #7
Bürgschaft	bank	Factor #7
Bauspardarlehen	bank	Factor #7 (may also report as Ratenkredit)

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

Zahlungsstörungen — /bonidata/zahlungsstoerungen (path tentative)

List of registered payment defaults. Empty state displays: "Es liegen keine Zahlungsstörungen vor – alles in Ordnung!"

A non-empty list is catastrophic for factor #1 (Keine Zahlungsstörung, max 264 P). Each entry would show the date, creditor, amount, and resolution status.

Empty state is the goal — agents auditing a profile should always confirm this list shows 0 entries.

Personendaten — /bonidata/personendaten (path tentative)

Two-section page:

Persönliche Informationen

Field	Notes
Vorname / Nachname	First / last name as reported
Geburtsdatum	Date of birth
SCHUFA-Datensatznummer	Unique Schufa record ID (alphanumeric)
"Änderungen mitteilen" button	Opens data-correction form

Gemeldete Anschriften

Ordered list of every address Schufa has on file, current address first. Each entry shows the report date and is clickable to view the full street/city.

The current address date is the input to factor #9. Agents should expect the displayed date to be the start of the most recent residency, not the date the address was reported (these may differ by weeks if reporting was delayed).

Common Tasks

Task	Approach
Audit for stale / wrong entries	Navigate /bonidata → click each of the 4 categories → cross-reference against the user's records
Count score-affecting inquiries	Open Anfragen, filter out "Bonitätsprüfung Kreditkonditionen" and "Identitäts-/Altersprüfung" — remainder counts toward factors #2 / #3
Verify the oldest bank contract	Open Vertragsdaten → scroll to last entry → confirm date and provider
Verify mortgage on file	Open Vertragsdaten → filter for "Kredit (grundpfandrechtlich gesichert)" — at least one entry = factor #5 maxed
Verify identity status	Open Personendaten → if Datensatznummer is present and address history is populated, factor #6 is typically maxed; cross-check by reading factor #6 detail on /bonidata/ngs
File a correction	On any detail page, click "Jetzt Kontakt aufnehmen" / "Änderungen mitteilen"

Gotchas

• Mortgages may also show up as Ratenkredit when the provider reports both products. The Vertragsdaten list is sourced from creditor reports, not from Schufa categorization — so the same loan may appear once as "Ratenkredit" and once as "Kredit (grundpfandrechtlich gesichert)". Schufa de-duplicates these for scoring but the UI shows both.
• Closed contracts can still appear within Schufa's retention period (Speicherfrist). The portal does not always make it clear that a contract is closed — agents should treat any entry as "potentially active" unless cross-verified.
• The "Anzahl Raten" field on a Ratenkredit is total rates, not remaining rates. To estimate the remaining term, subtract elapsed months from this number and check against factor #11's tier table.
• Address history can include very short stays (e.g., 3-month interim addresses). These count toward residency history but reset the factor #9 timer each time the "current" address changes.
• Personal data corrections do not change the score immediately. A successful correction is reflected at the next quarterly recalculation.