SCHUFA in Germany – what it is, how to check, credit score without history (2026)
SCHUFA (Schutzgemeinschaft für allgemeine Kreditsicherung) is the dominant German credit bureau – equivalent to Experian/Equifax, with a score range of 0-100 (the higher, the better), affecting rental housing, mortgages, credit cards, phone contracts, and leasing, with Polish newcomers in Germany often having a zero/null score, complicating various processes.