is the credit rating system used in Germany. If bills are left unpaid for a long time, or a loan payment is missed, an entry is added to the SCHUFA record of the person in debt.
If you apply for credit, or if you give permission for someone to do a check against you - like Deutsche Telekom
when opening a new phone account - then they search SCHUFA for you and a record of the search is retained as well.
SCHUFA also hold European records. You can obtain a copy of your own record for €7,60 or you can inspect it at a SCHUFA office free of charge.
SCHUFA Holding AG
Service-Telefon: 01805 - SCHUFA (01805 - 72 48 32)*
TT search keyword "schufa"
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