Erhöhe deine Chancen bei der Wohnungssuche.

Many landlords and real estate agents require proof of creditworthiness when you apply for an apartment in order to assess your ability to pay. With the credit pass, you can provide this proof digitally—during an apartment viewing, in your tenant portfolio, or directly via a link. This increases your chances of getting the apartment you want because the landlord has immediate and reliable access to all relevant information.

No. The credit pass deliberately does not include a score or a prediction of your future payment behavior. It evaluates only hard negative payment data and shows that there are no negative entries associated with you. This ensures that it remains fair and non-discriminatory: characteristics such as age, gender, or ethnic background are not factored into the assessment.

You can choose between Paypal, GooglePay, ApplePay, online banking and credit card (Visa or Mastercard).

Unfortunately not; you require a German residence. We do offer a credit pass for people with an Austrian residence though - click here.

We ensure that no one else can apply for or receive your BonitätsPass. If the identity verification fails, it may be because the name on the payment method you used does not match the name in your profile information. In this case, please try making the payment again using an appropriate payment method. If you continue to have problems with verification, feel free to contact service@itsmydata.de at any time.

By placing your order, you authorize the credit reporting agency Regis24 to retrieve your data from the public debtor and insolvency registry.

The credit reporting agency provides the data from the public debtor and insolvency registry digitally and immediately. itsmydata then analyzes the data for negative entries and summarizes it in the form of the credit pass for use—for example, when dealing with landlords.

The complete credit pass is delivered digitally within a few minutes.

The credit check is valid for 90 days and can be shared as many times as desired during that period.

With the credit pass, you can provide landlords with a summary showing whether you have a history of payment issues. The credit pass presents this information clearly without disclosing any sensitive details.

Payment issues are assessed without taking into account characteristics such as age, ethnicity, or gender—only the relevant information is displayed.

It is essential for the landlord that the prospective tenant has no payment issues. The credit pass therefore uses data from public debtor and insolvency registries—provided by the credit reporting agency Regis24—as a source to give the landlord maximum assurance when assessing a prospective tenant’s ability to pay, ensuring that the prospective tenant has only a positive payment history.

Your landlord or business partner can verify the information using a verification code. The verification code is printed on every BonitätsPass. This code can be used here to verify whether the corresponding report belongs to a valid BonitätsPass.

Negative data refers to information indicating a consumer’s payment problems. There are two types: “hard negative” and “soft negative” data.

Hard negative data is by far the most important category. This consists of court records from public debtor and insolvency registries and pertains to enforceable claims and insolvencies. All credit bureaus access the same public sources.

Soft negative data consists of “pre-judicial” data regarding reports of payment