Credit rating

In cases of differences with the SCHUFA, consumers can turn to the its ombudsman. The ombudsman clarifies the matter of dispute neutrally and free of charge.

The SCHUFA Ombudsmann

(Ombudsman for confidential credit reports)

is competent to handle disputes between consumers and the SCHUFA (General Credit Protection Agency).

Binding decisions: The decision of the ombudsman is legally binding for the SCHUFA (provided that the claim’s value does not exceed 2,500 EUR) while it is voluntary for consumers.

Postfach 5280

65042 Wiesbaden





Funded by the European Union. Views and opinions expressed are however those of the author(s) only and do not necessarily reflect those of the European Union or the European Innovation Council and Small and Medium-sized Enterprises Executive Agency (EISMEA). Neither the European Union nor the granting authority can be held responsible for them.