Have Schufa entries deleted
Negative entries in the Schufa can have drastic effects on your life. It can therefore make sense to have the Schufa delete the entries. You can find out whether and how this could work here.
What the Schufa entries mean for you
- Generally, the Schufa Your personal information. This includes your place of residence, date of birth and also your place of birth so that you can be precisely assigned.
- In general, companies have the option of reporting existing contractual relationships to Schufa (you confirm this, for example, with cell phone contracts with the so-called "Schufa clause"). But Schufa is also generally known to current loans and existing accounts in Germany.
- Entries in the Schufa are not generally negative. Cell phone contracts, existing credit cards and self-running loans do not mean that you are negatively charged. On the contrary: since you are fulfilling the obligations, this type of entry should be rated positively.
- Negative entries are: Unpaid bills, unsettled loans and general payment obligations that you have not met. Even if you have applied for bankruptcy, for example, this will be noted in your Schufa information.
- This then leads to other contractual partners being more cautious in their dealings with you. Concluding cell phone contracts is almost impossible, new loans are not granted and even in the As a rule, you can no longer order mail order business on account, but have to do it in advance walk.
- In order to reverse these negative effects, you should have Schufa entries that are no longer current deleted.
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Have your Schufa entries corrected and deleted
- The Schufa not only stores the fact that you owe a creditor money, but also how high your obligations are. If you have paid all or part of the amount, you can have the entry corrected accordingly.
- You can also have a completed bankruptcy, paid-off loans and the like deleted. However, there are statutory deadlines for deleting negative features that you cannot circumvent.
- Data on contracts that have not been fulfilled, i.e. invoices that have not been paid or loans that have not been paid off on time, are generally reported at the end of the 3rd Calendar year deleted after saving. Completed payments are also noted accordingly and deleted after this period.
- For enforcement notices, insolvency entries and other titled claims, the begins 3-year period only with repayment of the amount owed and not with the entry of the claim the Schufa.
- In most cases, the data is deleted automatically. If this has not happened in your case, you can also request the deletion yourself. This works in writing to the address of Schufa (Schufa Holding AG; P.O. Box 5640; 30056 Hanover). Alternatively, you can personally request deletion from Schufa. In any case, it is important that you can prove that the entry has been completed.
- Alternatively, you can check the data at any time and request a correction if you go to "My Schufa"are registered.
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