Conclude mobile phone contract despite Schufa entry - is that possible?

If you want to conclude a cell phone contract despite Schufa, you cannot do this without detours. In this practical tip, we will show you a few ways you can still get your new mobile phone contract.

Mobile phone without Schufa: What is a Schufa entry?

• Schufa is a company that mainly belongs to a network of German banks. It stores data about your creditworthiness and passes it on to banks or companies on request. For data protection reasons, you must agree to the Schufa information about yourself in writing when the contract is concluded.
• Banks can inquire about the creditworthiness of individuals. In return, the banks inform Schufa if a person takes out a loan or the like or does not pay it for a long time. If he gets into payment difficulties and does not pay his bills over a longer period of time, he receives a Schufa entry.
• If you receive a Schufa entry, you won't notice it at first. Only if you conclude large contracts or want to take out a loan, a personal check will be carried out. In most cases, such an entry only came to light.
• A negative Schufa entry will be deleted from the directory no later than three years after the debt has been paid.

Also sign a cell phone contract with a Schufa entry

Before signing a new contract, the mobile phone providers generally provide Schufa information. The risk that arises when contracts are concluded with insolvent people is simply too great. That is why there are many dubious offers on the subject of cell phone contracts despite Schufa.

• Delete Schufa entry: If you do not know exactly which or how many negative Schufa entries are stored under your name, you can request free information. A suitable application form can be found here. If there are any unauthorized entries below, you can contest them.
• Relatives: Ask family or friends if they are signing a contract for you. If your grandmother, for example, does not have a negative Schufa entry, she can conclude the contract and you will then pay your monthly fees.
• Alternative: If you are primarily concerned with the mobile phone that you receive with the contract, you can buy it yourself and use it with a prepaid card. You can finance the purchase of the cell phone with a small loan, which you can get from some banks even with a Schufa entry. If this does not work, you can also ask several friends and relatives for small loans.
• Prepaid card: Anyone can buy a prepaid card. So you can get a cheap tariff with flat rate options even with a Schufa entry. In addition, the cost of a flat with a prepaid provider is often cheaper than with a contract.

Conclusion: If you have a negative Schufa entry, no mobile phone provider will grant you a contract. If you cannot eliminate it, you only have to go through family or friends, or you can switch to a prepaid contract.

Here you will find a comparison of all cheap mobile phone tariffs.

Read this practical tip to find out how you can apply for a police clearance certificate.