Schufa entry: How long does it last?

In this article we explain how long a Schufa entry will remain. After a certain time, your entries must be deleted, otherwise they would be too much for you. Depending on the entry, however, different deadlines apply.

How long the SCHUFA entry remains: What is it and how do you get one?

SCHUFA entries are collected by Schufa Holding AG based in Wiesbaden. Formulated, SCHUFA means "protection association for general credit protection". The company collects and stores all information from consumers that indicates their creditworthiness. If you conclude a contract with a company as a customer, this company can check your creditworthiness or creditworthiness with SCHUFA.

• However, not only negative entries are saved. As soon as you conclude a contract, this is also noted as a SCHUFA entry.
• The following criteria must be met for a SCHUFA entry to be made.
• 1. There is an open claim that has not been contradicted by either side.
• 2. The debtor has received two reminders four weeks apart and has not responded.
• 3. In one of the two reminders, a negative SCHUFA entry was threatened if the payment was not paid in time.
• Tip: If you do not know whether you have a Schufa entry, you should have your own Schufa information provided free of charge once a year.

Schufa entry: As long as it remains

It is legally regulated how long your Schufa entries may remain. Nevertheless, it is advisable to check your entries regularly, as deletion is often too late. However, it always depends on what type of entry it is.

• If you have not made contractual payments, this will be saved for three years. The period begins as soon as you meet your demands again.
• As soon as you have repaid your loan in full, the entry will remain there for exactly three years.
• If you request an account opening or the conclusion of a mobile phone contract, a notification will be sent to Schufa. This message may be saved for a maximum of twelve months. However, it is only taken into account in the information 10 days after the request.
• If an account is canceled, the entry via this account must be deleted immediately.
• If you have not met a claim of less than 1000 euros, this will also be noted. As soon as you have paid this amount, you can have it deleted immediately.

Deadlines for special cases with the SCHUFA entry

There are still some unusual entries for which special deadlines also apply.

• If you register personal bankruptcy, this process takes 6 years. After the procedure has been completed, the entry at Schufa remains for another 3 years. In total, this entry has been available for at least 9 years.
• If you as a citizen have paid the main debt assumed, the entry will be deleted immediately.
• Public data such as entries from the debtor registers of local courts are also stored for three years. After that, they must be deleted automatically.

Improve Schufa Score: With these tricks it works

In the next practical tip, we will explain whether you can conclude a mobile phone contract despite a Schufa entry.