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A credit score is a number between 300 and 900 that banks and lenders look at to determine whether to approve you for a car loan, mortgage, credit cards, rental lease for an apartment and other credit applications. It’s important that you understand how to access your score to help you remain in control of your overall financial health.
Your credit score is primarily calculated by the credit reporting agencies based on the information found in your credit report. A credit report is a detailed breakdown of your financial history that includes personal information about you, as well as details about your credit products and payment history.
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Did you know that as a customer you can now check your credit score as often as you want, at no additional cost and zero impact to your score using the TransUnion Credit Score tool
. With this tool, you can track your monthly credit history, view your personal credit report, and get practical tips on how to build a good credit history.
Other tips to remember –read your monthly account statements to ensure they’re correct, and report any errors as soon as possible to TransUnion at 1-844-580-9978.
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Understanding where you are in your score lets you know the right steps to take to maintain (or move to) a great credit score and better financial health. Some important tips that can help improve your credit are paying bills on time, using less than 35% of your available credit, and only taking out credit that you need.
Each lender decides which credit score range it considers a good or poor credit risk. Typically, the higher the score the better. If you’re looking to improve your credit score, TransUnion recommends the following:
Go to our website to read more about why you should find out your credit score. Visit transunion.ca to learn more about your credit score and report.
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Ideally, you want your credit score to be in the 700 to 900 range; typically, the higher the score, the better. Each lender decides which credit score range it considers a good or poor credit risk. It’s important to remember that your credit score is only one component of the information that lenders may use to evaluate what could be a credit risk.
Your TransUnion Credit Score and other TransUnion Credit Score services are provided by TransUnion Interactive, Inc. (TransUnion) and are made available to you as a customer of The Bank of Nova Scotia (“”) at no additional charge. Accessing your TransUnion Credit Score will not impact your Credit Score. and its affiliates are not responsible for the TransUnion Credit Score or any of the information provided to you through TransUnion's Credit Score services.
To access your TransUnion Credit Score, will share your personal information such as name, address and date of birth with TransUnion so that TransUnion can identify you and provide your Credit Score. Your information will not be used or disclosed by TransUnion for any other purposes.It probably didn’t take long until you heard about the SCHUFA after moving to Germany. It has a tremendous impact on our daily lives, Germans, and expats alike. This article explains what it is, how to get SCHUFA, and how to stay on the good side of things.
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(General credit protection agency), and the SCHUFA Holding AG (the biggest private credit tracking agency in Germany) tracks and rates your payment behavior and issues the report.
So if someone, like your landlord or bank, asks you to provide a SCHUFA record, they check how trustworthy you are to pay your bills on time. This report shows all companies you have purchased from who previously enquired about your solvency with the SCHUFA.
You automatically start your SCHUFA record byregistering your address, opening a bank account, gettinginternet for your flat, or getting amobile phone contract. The providers inquire with the SCHUFA each time before accepting you as a customer and thus leave a record.
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The system is designed so that your employment status or income does not influence the score, instead only your trustworthiness towards bills, contracts, loans, and other liabilities. So, for example, the world’s wealthiest person could not open a bank account or get a credit card in Germany, with a bad SCHUFA score.
Every German resident is legally entitled to receive one free SCHUFA record per year, to see what data has been stored in the report. You can request it on the official website, and it is calledDatenkopie(data copy). Click on ‘
You can upload a copy of your passport and yourMeldebescheinigung(the paper from your registration) to help them identify you faster and avoid further queries. They will send you your free report via snail mail a few days later. This report is meant only for you and not to hand over to third parties, e.g., your future landlord, when apartment hunting.
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While the free report gives you an overview of what data is stored, it does not show you all details. To rent an apartment, a lot of landlords request the paid version of your SCHUFA report, with an official certificate that reveals every detail.
’ and enter your data on the following pages. This reportcosts 29, 95 eurosand will also be sent to you via snail mail within the next few days. Here is an example of a
What if you can’t wait a few days for the snail mail to arrive because you have the viewing appointment for your new dream flat tonight? Head to your closest Postbank branch and request a
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You do not need to have an account with Postbank to use that service. However, you need to have a German bank account to pay for the service successfully.
Within five minutes online. The report you get is the official certificate, which is valid to give to landlords; however, it does not give you all the details like the
. It still costs 29, 95 euros, but you benefit from receiving it via e-mail five minutes later. So you can either print it or e-mail it to your possible future landlord.
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The Basisscore, the one you start with at the beginning, is 100%. If you don’t pay your bills on time, the score drops lower. Here is an overview of what risk you portray of not meeting your liabilities properly.
Expats often face needing a SCHUFA to show their potential landlord but not having one yet, because they are not registered yet – a typical chicken & egg situation. There are three ways to solve this challenge:
The SCHUFA needs to be your friend, whether you like it or not. The report tracks and rates your payment behavior and impacts whether you will be able to get a loan, a mobile phone contract, or that new TV that you want to pay in installments.
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The landlord of the apartment you want to rent might ask for a SCHUFA report to prove your good payment history. You can get your report online or at a Postbank branch for 29, 95 euros.
If this guide was helpful to you, and saved you time of research, please consider supporting this website by buying us a coffee as a small donation. It allows us to keep Simple Germany alive and striving.
Yvonne was born and raised in Germany and has lived in the United States, France, and Spain. She understands the struggle of settling in a new home and is happy to share simple services and tips on how things are done in her home country, to help expats get their German experience started.
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