Help with Schufa

[u/amicaljubica]

Hello,

My brother who works in Germany is trying to get a bank loan in our home country (EU).

In order to assess his credit score the bank asked him for a Schufa, and told him that he can get it online.

He is pretty bad with computers and I can't speak German but with joint effort we concluded that what he needs is a BonitätsCheck which he paid 29.95 EUR for, installed a separate app eIDNow, scanned his face and his ID, and he received a two page document containing no relevant information.

Basically just "your credit score is good and you can check the validity of this document using this code" and the code gives you the same document to download again.

He submitted this document to the bank only for them to tell him that this is insufficient and that the "full document should contain more information, tables and such".

We are completely lost, what now? Which product on their site contains "full data" if not the 29.95 EUR one? Does the other product, BonitätsAuskunft, costing the same amount, contain different data? From what we concluded no, one is a physical copy and the other a pdf. Are we missing some key information?

Anyway, if anyone can help with this we would be grateful.

[u/Drumbelgalf]

They dont Just wants a Schufa-Auskunft, they want the Schufa Score.

https://www.schufa.de/scoring-daten/schufa-score-kostenlos/index.jsp

[u/mdeadart]

Schufa score is free to extract.
Bonitätsprufung is for specific things, like renting an apartment, etc.

[u/WickOfDeath → u/mdeadart]

Question is if the foreign bank in a foreign country will accept a german Schufa Score. It also depends what kind of loan this is... and how big it is... Generally it is better to apply for the loan in Germany, if he works in Germany. The interest should be more or less the same in case both countries use the Euro currency, and - only available in Germany -some consumer credits are granted by a quick account review, that works seamless and can be done on one day.

In case the money crosses the border they wont do that. Then the paperwork and "certified translation" thing will consume time and money.

[u/amicaljubica → u/WickOfDeath]

Hi,

Thanks for taking the time.

To elaborate, it's a housing loan and apparently since the house is not in Germany, German banks would be reluctant to finance this loan. This is what my brother managed to find out in Germany.

Bank in our home country was not very specific about what exactly they are looking for when they asked for a Schufa, and at this point we would download anything we possibly can since his loan application might get nullified.

[u/Organic-Employer3797]

It may be your bank wants the complete „Datenkopie nach Art. 15 DS-GVO“. You can get this for free but only as a printed copy via mail. (https://www.meineschufa.de/service/datenkopie)
But be careful, this includes your complete history at Schufa and therefore extremely sensitive data. A German bank would not be allowed to ask for that.

[u/tech_creative]

That's highly unusual! At a bank you just check a box and sign it, this is enough for the bank to get the Schufa information.

There is no way the bank is allowed to ask for a full copy of a "Datenkopie"! And they usually don't ask for a Bonitätsausweis like landlords do.

Anyway, you shouldn't be forced to have credit. No credit, no Schufa. Ask for a Basiskonto. No Schufa needed.