Finance
SCHUFA Reform 2026: Your Credit Score Gets Transparent!
January 10, 2026
4 Min.
CheckAlle Finance Team
From March 2026, SCHUFA shows exactly how your score is calculated. Only 12 criteria instead of 250 – plus you can simulate your score!
The SCHUFA Revolution Starts March 2026!
Finally! SCHUFA ends the guessing game about your credit score. From end of March 2026, the complicated system with over 250 criteria is replaced by a transparent model with only 12 clear factors.
What Changes Exactly?
New Score System
- Same score for everyone: You now see the same score as the banks – no more hidden differences!
- New scale: 100-999 points, the higher the better
- Score simulator: Test in advance how actions affect your score
The 12 Key Factors
Your new score is based on:
- Age of your oldest credit card
- How long have you lived at your address?
- Inquiries in the last 12 months
- Number of existing contracts
- Negative entries (payment defaults)
- Your payment history
Faster Deletion of Negative Entries
Great news for anyone who made a mistake: One-time payment defaults are now deleted after only 18 months – previously it was 36 months!
How to Improve Your Score in 2026
- Account stability: Don't constantly switch banks
- Cut unnecessary limits: Cancel unused credit cards
- Check your data: Request your free SCHUFA report
- Simulate score: Use the new simulator before big decisions
Conclusion: Act Now!
The SCHUFA reform finally gives you control over your credit score. Use the new tools and secure better loan conditions!
SCHUFA
Credit Score
2026
Reform
Creditworthiness