Schufa will be decided with the following factors from now on: It’s based on the Schufa transparency issued by EU court.
- Age of the oldest credit card
- Age of current address
- Number of requests and transactions for checking accounts and credit cards in the last 12 months
- Loan with the longest remaining term
- Number of requests in the field of Telecommunications & (Online) Retail in the past 12 months
- Age of the oldest bank contract
- Real estate loan or guarantee
- Installment loans taken out in the last 12 months
- Credit status
- Presence of an identity check
- Most recent framework loan
- Payment disruptions
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