SCHUFA credit: checked.
The key to a successful flat search: your SCHUFA credit report – the standard proof of creditworthiness in Germany – in three steps. Ordered online, downloaded instantly and stored directly in your Immomio application. The landlord only sees it once they have a legitimate interest.
Official partner
Your SCHUFA credit check in three steps.
Enter your personal details
To place your order, we need your name, address and date of birth.
Pay online
Conveniently by direct debit. You will then receive the invoice by email.
Download instantly
As a download or by post. For the instant download, you identify yourself with your German ID card (Personalausweis) and IBAN.
A report that speeds up your application.
Transparent assessment
You see how landlords assess your creditworthiness – and can prepare your documents accordingly.
Faster application process
The credit check is built into your Immomio profile. When you confirm your interest in renting, it is automatically shared with the landlord – no paperwork, no follow-up requests.
You stay in control
No landlord may ask for a credit report before the viewing. The report is only shown to the landlord once you confirm your interest in renting.
What the credit check contains
- Name, address, date of birth and date of issue
- An indication of your payment reliability
- Outstanding payments, arrest warrants (if any)
- Verification code – the landlord can check its authenticity for 60 days
What it does not contain
- Account balances
- Income
- Investments
- Details of individual contracts
The landlord only receives what is relevant to the letting decision.
Frequently asked questions about SCHUFA.
What is SCHUFA?+
SCHUFA is Germany’s largest credit reference agency; the name stands for “Schutzgemeinschaft für allgemeine Kreditsicherung” (Association for General Credit Protection). It collects data on consumers’ payment behaviour, which it receives from contractual partners such as banks. Data only exists if you have or had a business relationship with a SCHUFA partner.
Why do I need a SCHUFA credit report to search for a flat?+
Landlords want to be sure the rent will be paid reliably. A positive credit report proves your payment record and can improve your chances. Important: a landlord may not ask for a credit report before the viewing.
When do I get a SCHUFA entry?+
Companies may report data if they have granted you a loan or sold you goods or services on instalments. A negative entry requires that you have received two payment reminders and were informed of the impending entry four weeks in advance.
When is a negative SCHUFA entry deleted?+
Incorrect entries immediately; loans three years after the year of repayment; mail-order accounts three years after they were recorded; data from local court debtor registers after three years; insolvency proceedings up to ten years after full completion. Current account and credit card data is deleted when the account is closed.
How long does the credit check take?+
If you identify yourself with your ID card and IBAN, the document is available for download immediately. Delivery by post takes a few working days.
Is a SCHUFA credit check required for every rental application?+
No. Not all landlords ask for one, but it is common practice. Having an up-to-date report to hand speeds up the application process after the viewing.
Moving soon?
All deadlines, authorities and checklists – from your notice letter to registering your new address.