Increase the chances for your dream apartment - in only 2 minutes.

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

Unfortunately not; you require a German residence.

We make sure that only you can request and receive the credit pass. A failed identity check could be due to the name provided with your payment method not being identical to the one provided in your itsmydata profile. In that case, please try to pay again by using a suitable payment method. Should you then still run into identification problems, do not hesitate to contact us at service@itsmydata.de. 

With your order you request your data from the three credit agencies Creditreform Boniversum, Experian (Infoscore Consumer Data) and Regis24.

The credit agencies deliver your selfrequests digitally and immediately. Then, your selfrequests will be evaluated by itsmydata regarding negative data and will be summed up and visualized in the form of the credit pass for use - e.g. to be shown to landlords.

You will receive your complete credit pass within a few minutes digitally and you can then directly forward it or print it.

The credit pass is valid for 90 days and can be shared as many times as you like within that time frame.

The credit pass allows you to show at a glance to landlords if there are any current solvency issues attached to you. The credit pass visualizes this proof in a clear way and without showing any sensitive data. 

It is essential for landlords to know that the future tenant does not have any solvency issues. In order to give the landlord maximum security when checking a potential tenant's solvency, the credit pass includes three different credit agencies as sources.

Your landlord or business partner can check the data with a verification code. This code is printed on every credit pass. Thanks to this code, landlords can check here if the document presented to them is actually connected to a valid credit pass.

To provide maximum security for landlords, itsmydata brought together the best sources for the credit pass. The sources have to be different while also being complementary to be able to go beyond today's single credit agency products.

Therefore, the credit pass is being comprised of three high quality sources that perfectly complement each other. The pass includes the largest debt collection network in the form of Creditreform Boniversum. Experian is the world's largest credit agency, particularly covering the insurance sector in Germany, and has excellent processes which are proven worldwide at their disposal. Regis24 is a modern credit agency specializing on difficult debt collection cases and provides an additional debt collection sphere. 

All three of these sources are connected to the public list of debtors, therefore covering each other's resulting negative data.

As a result, the requests from these three credit agencies offer the maximum security concerning negative solvency checks for landlords.

No, the selfrequests issued towards the credit agencies do not influence the scores you have at these credit agencies.

Credit agencies like Schufa, Experian or Credtreform are private companies with the purpose of collecting and forwarding relevant economy data about individuals or companies.

The requests are only issued to individuals who use these requests in regard to their solvency and also have legitimate interest according to GDPR regulations, e.g. during initial business contact.

For "hard" negative data, credit agencies consult the public list of debtors. For out-of-court "soft" negative data (especially debt collection trials), they use their own network of reporting companies (especially collection agencies). Furthermore, information on contracts like checking accounts, phone contracts and credit contracts will be taken from their own network and transferred as positive data.

You can view the selfrequests in your personal itsmydata data account as soon as you have activated your account.

Negative data gives insight on a consumer's solvency issues. There is a distinction between "hard" and "soft" negative data.

The "hard" negative data is by far the most important group. This is judicial data from the public list of debtors and insolvencies concerning submitted liabilities and insolvencies. All credit agencies access the same public sources.

The "soft" negative data are out-of-court data about reports of solvency issues, usually from debt collection or enforcement procedures. The source for "soft" negative data are companies connected to a credit agency. These are especially collection agencies.