Improve Schufa-Score: How to get credit again

So the electronics store advertises the great new television with zero percent financing – but of all people it doesn’t want to grant you a loan? The reason for this could be your credit report from Schufa. It indicates how creditworthy you are. A bad rating is annoying, of course, but it’s not set in stone. Sometimes a few simple measures are enough to improve your Schufa score.

Caution: Do not trick!

Almost 100 people per month google “Schufa Score improve tricks”. Are they looking for methods to cheat Schufa? Even if they succeed and they get a credit that they would otherwise have been denied: In the long run they have no advantage. Because at some point it’s always payday. And then the financial hardship with the cheated loan only gets worse.

Remember: Schufa not only protects lenders from the possibility of not getting back the money they have lent. But Schufa also protects borrowers from loans they cannot afford. However, the credit agency’s judgment cannot always be relied upon. Do you also have a bad Schufa score, although you are financially well off? Then you can improve your Schufa score with the following tips. Without cheating.

1. delete wrong entries

It is quite possible that errors may creep into the Schufa information. Perhaps a debt collection company has forgotten to report a long settled claim to Schufa as “paid”. Or your bank has failed to inform Schufa about the proper repayment of your loan. Therefore it is important to check your own Schufa entries regularly. You can request a free data overview from Schufa online once a year. If you find incorrect or outdated information in it, you should have it corrected immediately.

Delete Schufa entries: Here’s how it works!

Contact the creditor and Schufa at the same time and ask for deletion.

Enclose evidence that an amount has already been paid.

Set a deadline of 3 to 4 weeks for the deletion of an unjustified entry.

2. speak openly about payment difficulties

Anyone can forget to pay a bill. This is no drama and does not automatically lead to a negative Schufa entry. But it will be fatal for your Schufa score if it comes to a dunning procedure. So pay your bills as reliably as possible. Easier said than done, you think? If you have difficulties in paying an invoice on time, talk openly and honestly with the creditor. Try to find a solution together with him and thereby avoid a dunning procedure. Perhaps you can pay a smaller instalment. Or offer him a kind of deposit until you have collected the money.

3. cancel accounts and contracts that you do not need

Even if your credit cards and current accounts do not cost you anything: Limit yourself to those you really need. Two accounts, for example a private account and a joint rental account with your partner, should not be a problem. Plus a credit card for simple, cashless payments. An unusually large number of accounts and credit cards, however, are assessed negatively by the German credit investigation agency Schufa. The same applies to mobile phone contracts.

Improve Schufa score: How long does it take?

Schufa only updates your basic score every three months. So if you already know that your creditworthiness will be important in the foreseeable future, you should polish up your Schufa credit report as soon as possible.

4. do not change the account more often than necessary

Frequent account changes apparently make the Schufa as suspicious as more than two accounts. Your score may go down accordingly. Therefore you should not change your account more often than necessary. So resist the temptation to open a new account at XY-Bank, only to receive a 20-euro welcome bonus. If you can do without local bank branches, an account at a direct bank is a good choice. This way you would not have to open a new account even if you move to another city.

5. do not push your disposition to the limit

If your bank grants you an overdraft facility, this is good for your Schufa score. No wonder your bank gives you a credit rating. The situation is quite different if you overdraw your overdraft: It’s bad for your credit rating. It is even worse for your Schufa score if the bank terminates your overdraft facility. According to Schufa, how high your overdraft limit is has no influence on the score. In case of doubt, it is better to have a higher overdraft facility than you actually need – then you will use it less often.

Übrigens: Mit der GenialCard oder der GoldCard der Hanseatic Bank können Sie sich auch Geld auf Ihr Referenzkonto überweisen, in der Regel Ihr Girokonto. So überbrücken Sie einen kleinen Engpass, ohne den Dispo weiter auszureizen.

6. Lieber ein großer Kredit statt mehrere kleine

Viele kleine Finanzierungen – zum Beispiel Ratenkäufe bei verschiedenen Händlern – haben offenbar eine stärkere Auswirkung auf den Schufa-Score als ein einzelner, größerer Kredit. Wenn bei Ihnen mehrere größere Anschaffungen anstehen, kann es daher sinnvoll sein, diese mit einem Kredit von der Bank direkt zu bezahlen, anstatt sich diverse Schufa-Einträge für Händlerfinanzierungen einzuhandeln. Und mit dem DirektKredit der Hanseatic Bank ist das Geld umgehend auf Ihrem Konto, sodass Sie dringende Einkäufe nicht auf die lange Bank schieben müssen.

7. Fragen Sie nicht mehrere Kredite parallel an

Wer gleichzeitig mehrere Kreditanfragen bei verschiedenen Banken stellt, erweckt bei der Schufa offenbar den Eindruck, als hätte er Probleme, ein Darlehen zu erhalten. Die Konsequenz daraus: Der Schufa-Score sinkt. Aber das erste Angebot ist ja nicht immer das beste. Wie können Sie also sehen, ob eine andere Bank bessere Konditionen bietet? Das geht, indem Sie zunächst nur eine sogenannte Konditionsanfrage stellen. Die hat nämlich keine Auswirkungen auf den Schufa-Score.

Allerdings haben manchen Banken in der Vergangenheit hin und wieder die falsche Anfrageart an die Schufa übermittelt, wenn sie die Schufa-Bonitätsauskunft einholten. Checken Sie diesen Punkt in Ihrer Datenübersicht also besonders gründlich. Ein Eintrag über eine Kreditanfrage darf nicht auftauchen, wenn Sie nur ein Angebot angefordert haben.