Thanks, bro for the nice video. At minute 02:55, You said we should not send it to third parties like landlords. My question is that we should not send the free version, right? and we have to send the paid version of Schuffa to the landlord. right? Or, should we not send the Schufa report to anyone at all? if this is the case why do landlords ask it in the first place. I need your reply as soon as you can bro. thanks.
I have a question: does the Schufa take into account payments made abroad? For example, you have made a video about a credit card based in Luxembourg. If people pay their balance from their German bank account, does it count for your German credit score?
So these might be two different questions. The first one is will international payments have an effect on your Schufa score, generally no but Germany has contact with many other countries and some connection with other countries. The second question I am assuming is about Gebührenfrei Credit Card? Even though Advanzia bank is from Luxembourg, it is operating under a German banking license in Germany so all of the transactions will be under BaFin and SCHUFA. Did I understand your question correctly?
Dear Ahsan, Thank you so much for this video. I have question. I got a free Schufa, but I need to correct one informations on it, what is the correct way to correct this info. Thank you so much.
So if I understood you correctly: You have an incorrect entry in your SCHUFA and you want to correct that info, right? If that is the case, you can call the schufa phone number and explain to them that they have an incorrect entry. If you are able to provide sufficient proof your incorrect entry should be removed.
Hello I'm a high school passed student and next year I will study in Germany. I don't even know baiscs of finance like how to open a bank account/ how to increase credit score/ how to use credit card wisely/ investment etc etc. Please suggest me some course or videos on how to gain knowledge about it.
@@ahsanfinance and how to increase my finance knowledge, sir? Like basics of investment and other things? As I said I don't have knowledge about it. How can I gain knowledge and start from scratch?
Hi! I would like to know which address use when applying for the SCHUFA if I was one time living in germany but then I came back to my country and now I am returning back to Germany. Should I used my last registered address in Germany or should I use my current address in my home country?. Thank you in advance for your help.
Hi , I have recently got here in Germany and after 4 months with a non-limited contract I tried to get a handy contract and I got refused so I checked my shufa score and it is 90,84% , do you know why could Ive got refused and what can I do ?
![The Schufa in Germany - [EXPLAINED in English]](http://i.ytimg.com/vi/jjUQJcnTtOA/mqdefault.jpg)
![The Schufa in Germany - [EXPLAINED in English]](/img/tr.png)
Thanks again for another informative video, there is a wrong label @ 4:17, 95% - 97.5% is repeated.
Thanks for that, the label should be 90% to 95%
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Excellent video as usual!
Glad you liked the video
Thank you very much for your kind information
Happy to help
Nice insightful video, thanks. Could you please write the link of the website in the description?
Glad you liked the video 😇. I have added the link in the description 😊
Thanks, bro for the nice video. At minute 02:55, You said we should not send it to third parties like landlords. My question is that we should not send the free version, right? and we have to send the paid version of Schuffa to the landlord. right?
Or, should we not send the Schufa report to anyone at all? if this is the case why do landlords ask it in the first place.
I need your reply as soon as you can bro. thanks.
You are right I was talking about the free one.
I am coming to German 2025 summer. Does Schufa access Indian CIBIL Score for new users?
No, this Score is within Germany and does not access any external scores
@@ahsanfinance thanks for the clarification 🙏 Sir.
What is the difference between kostenlose datenkopie and Schufa-BonitatsAuskunft?
Can I submit kostenlose datenkopie certificate to landlord?
The free version is for your personal use as it has less details. Usually landlords ask for the paid version
I have a question: does the Schufa take into account payments made abroad? For example, you have made a video about a credit card based in Luxembourg. If people pay their balance from their German bank account, does it count for your German credit score?
So these might be two different questions. The first one is will international payments have an effect on your Schufa score, generally no but Germany has contact with many other countries and some connection with other countries. The second question I am assuming is about Gebührenfrei Credit Card? Even though Advanzia bank is from Luxembourg, it is operating under a German banking license in Germany so all of the transactions will be under BaFin and SCHUFA. Did I understand your question correctly?
@@ahsanfinance you did, thank you for your answer :)
@@Sillyalways 😇
Dear Ahsan,
Thank you so much for this video.
I have question.
I got a free Schufa, but I need to correct one informations on it, what is the correct way to correct this info.
Thank you so much.
So if I understood you correctly: You have an incorrect entry in your SCHUFA and you want to correct that info, right? If that is the case, you can call the schufa phone number and explain to them that they have an incorrect entry. If you are able to provide sufficient proof your incorrect entry should be removed.
@@ahsanfinance thank you so much.
You are the best
Glad you liked the video
Hello I'm a high school passed student and next year I will study in Germany. I don't even know baiscs of finance like how to open a bank account/ how to increase credit score/ how to use credit card wisely/ investment etc etc.
Please suggest me some course or videos on how to gain knowledge about it.
Which country are you coming from?
@@ahsanfinance India
Once you come to Germany your Credit Score from India would not be considered. Your SCHUFA score will start from Scratch.
@@ahsanfinance and how to increase my finance knowledge, sir? Like basics of investment and other things? As I said I don't have knowledge about it. How can I gain knowledge and start from scratch?
Maybe start with this video: ruclips.net/video/Ylk5XfAlK4o/видео.html
It shows some kind of technical error while applying what should i do
Are you still getting the same error?
@@ahsanfinance its solved now, thanks for your reply
Now I'm waiting for the letter to be delivered
Thats great to hear. Hopefully it above 95% 🤞
Hi! I would like to know which address use when applying for the SCHUFA if I was one time living in germany but then I came back to my country and now I am returning back to Germany. Should I used my last registered address in Germany or should I use my current address in my home country?. Thank you in advance for your help.
Depends on when you left Germany
I took a credit card from advanzia. I don’t use it so often. Will it impact for negetive credit score?
It shouldn't have a negative effect but try to use it from time to time.
hello man
is bank account balance taken into account for the schufa score?
Nope, this information must not be shared by your banking institution with Schufa
broo?? the landlord said i need your schufa should i send him or not please reply must.
They can ask you for your credit score, to make sure that you will pay rent on time.
Is schufabonitats Auskunft and schufabonitats check same? I got a schufa in pdf online from Immobilien scout , can i use it to get a new Apartment?
Yes you can use that certificate for rental apartments
Hi , I have recently got here in Germany and after 4 months with a non-limited contract I tried to get a handy contract and I got refused so I checked my shufa score and it is 90,84% , do you know why could Ive got refused and what can I do ?
In just 4 months your score shouldnt be as low as yours. Did you change your bank accounts , credit cards, houses often in the last 4 months?
@@ahsanfinance No I did not , same anmeldung , same Sparkasse account. I did got refused twice for a phone contract , but nothing else.
Refusal from the same place?
@@ahsanfinance refusal fro o2 an vodafone
Hi can you share the link here
They have made some updates since the video. You can install the "Bonify" app and get your score digitally using it.
Bro that 29 euro schufa is one time payment right??
Generally yes, they have multiple offers. If you select the one time offer then you only pay 29€ for the Schufa report.
For me its showing 29 euro
This is for the paid version
Social credit score
You can say so