Schufa Credit Bureau Identity Protection — Knowledge Module

Identity Protection

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.

Page Structure (surface)

Teaser card observed on the Start page:

+-- "Mit der SCHUFA sicher im Netz surfen?" ----------+
|  "Unser Service steht Ihnen jetzt zur Verfügung!     |
|   Im Identitätsschutz können Sie Ihre Daten          |
|   hinterlegen und manuell prüfen, ob diese in den    |
|   vergangenen 90 Tagen im Internet geleakt wurden."  |
|  [Zum Identitätsschutz]                              |
+------------------------------------------------------+

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 monitor
• Manual scan trigger
• Scan results / history list
• Per-leak detail (source, exposed fields, mitigation suggestions)
• Notification preferences

Common Tasks (anticipated)

Task	Approach
Run a leak scan	Navigate /identitaetsschutz, submit monitored identifiers, trigger scan
Review prior scan results	Navigate /identitaetsschutz, list page should show scan history
Update monitored identifiers	Navigate /identitaetsschutz → settings sub-page

Coverage Status

Module is at 10% — only the entry-point teaser has been observed. A discovery pass is needed to enumerate:

• Exact URL pattern
• Submitted-data form fields and validation
• Scan trigger flow and async result delivery
• Leak record schema (source, exposed fields, date)
• Notification mechanisms
• Any 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)

Open Questions

• 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?