SCHUFA-Neutral Credit
Compare credit offers without risking your SCHUFA score.
Compare Credits SCHUFA-Neutral
This comparison uses soft inquiries - your score remains untouched.
Soft Inquiry vs. Hard Inquiry
| Feature | Soft Inquiry (SCHUFA-neutral) | Hard Inquiry (Score-relevant) |
|---|---|---|
| Other banks see it | ||
| Affects score | ||
| Suitable for comparisons | ||
| Number doesn't matter | ||
| Only you see it |
How SCHUFA-Neutral Comparison Works
Start Comparison
Enter data (amount, term)
Soft Inquiry
Bank checks with SCHUFA (neutral)
Get Offer
Personal interest rate shown
Decide
Only on application: 'real' inquiry
Beware of "Credit Without SCHUFA"!
Providers promising "credit without SCHUFA check" are often dubious and charge high interest or upfront fees. Reputable banks always check creditworthiness - use soft inquiries instead, which do not affect your score.
How to Protect Your SCHUFA Score
Use Comparison Portals
Reputable portals like checkalle.de exclusively use soft inquiries. You can compare many offers.
Apply for Only ONE Credit
After comparing: Choose the best offer and apply for only this one credit.
Check SCHUFA Report
Request free data copy once a year and check for errors. Incorrect entries can lower your score.
Close Old Accounts
Unused accounts and credit cards increase calculated risk. Close what you do not need.
Frequently Asked Questions
What is a SCHUFA-neutral soft inquiry?
A soft inquiry (Konditionsanfrage) is recorded by SCHUFA but NOT shared with other banks and does not affect your score. You can make as many as you want.
How does this differ from a hard credit inquiry?
A hard inquiry (Anfrage Kredit) is shown to other banks and can lower your score with multiple inquiries. It only occurs after actual credit application.
Does a credit comparison lower my SCHUFA score?
No, reputable credit comparisons use soft inquiries. Only when you decide on an offer and apply for the credit does the 'real' inquiry occur.
Are there credits completely without SCHUFA?
Yes, so-called 'Swiss credits' - but caution: These are often more expensive and are used by dubious providers. Reputable banks always check creditworthiness.
How long does a credit inquiry stay in SCHUFA?
Soft inquiries: 12 months (only visible to you). Hard inquiries: 12 months (visible to other banks). Credits themselves: 3 years after repayment.