Have the affidavit deleted

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If you have made an affidavit to the court, then your existing debts are also entered in the Schufa. The Schufa is an institution that works with mail order and department stores, with telecommunications companies and everyone Credit institutions and both positive and negative payment behavior from customers saves. Read here how you can have your data deleted and thus become creditworthy again.

A " clean" Schufa makes you creditworthy.
A "clean" Schufa makes you creditworthy.

This is how you get rid of an affidavit

If you want to conclude an installment deal today or need a loan for your small car from the bank, then it is important that you have a "clean" Schufa. An affidavit stating that you are insolvent is also documented there.

  • And this is where things can get really uncomfortable for you if you really need the thing or the money urgently. The banks and many companies, even real estate agents, inquire about your creditworthiness with Schufa before concluding a contract with you.
  • In 2010, Schufa had around 66 million data from customers from various areas. If you as a customer can look forward to positive Schufa entries, then you will usually also receive the desired loan or the desired installment business approved. However, if you have negative Schufa entries here, you are not considered creditworthy.
  • But how do your negative entries disappear again? You can assume that negative Schufa entries will be automatically deleted around three years after the debt has been repaid. But only if the Schufa was also informed about the repayment.
  • There is also the option of deleting a negative entry on the basis of an affidavit before three years have elapsed. For this you need a confirmation from the creditor. You will usually receive this without any problems after you have settled your debt with the creditor company. However, if the creditor does not issue this confirmation, then you have to wait three years.
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  • Unfortunately it happens in very rare cases that negative Schufa entries are made "innocently". If something like this happens to you, Schufa is here due to special guidelines obliged to reject the negative entries after submitting appropriate evidence without Delay to clear.

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