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Do you think €29.95 is too much to pay for a credit report for your landlord? So do we. That's why you get our credit report for just €11.90.
Wait for days? Not with us. You can download your Boniversum credit report instantly, forward it by e-mail or print it out to hand over in person at the apartment viewing.
With us, you get your credit scores from up to four credit reference agencies (Boniversum, Schufa, Infoscore and CrifBürgel) and find out whether there are any negative items on you.
In addition to your score you also get comprehensive information from Boniversum, Schufa, Infoscore and CrifBürgel.
I found an apartment I loved and was asked to provide a credit report. A friend told me I could get an instant credit report from itsmydata for €11.90 and forward it directly to the landlord. So that's exactly what I did, and was accepted to rent my new apartment straight away.
We convinced our landlord to rent to us by providing several credit scores and evidence that no CRA had any negative information on us. We got our dream apartment!
Le Le und An Vuong, Coburg
For only € 11,90! My landlord was completely satisfied. Not only could he see my credit score, but also proof that there is no negative information on me. Fantastic service!
You get your score by Boniversum in real time and can download the credit report after just 2 minutes, forward it by e-mail or hand it directly to your landlord.
Infoscore sends you a report of the information it has collected on you by post. Simply scan it and upload it to our platform, where this information is automatically added to your credit report.
Schufa sends you a code along with the information it has collected on you so that you download your requested report. You then upload the data to itsmydata, where it is aggregated and your score and information on any negative items automatically added to your credit report.
CrifBürgel also sends you the information you requested, along with your score (if there is one) and any negative information on you by post. Scan it and upload it to our platform, where it is summarised and automatically added to your credit report.
How can I pay?
You can currently pay by either direct debit (SEPA) or credit card (Visa or Mastercard). We are working to include additional payment options.
What data does the credit report contain?
Our credit report contains data from up to four credit reference agencies (CRAs), (Boniversum, Schufa, CrifBürgel and Infoscore). The credit report contains a summary from these sources as to whether there is negative information on you with the CRAs. The report also presents a comparison of the different CRAs' scores.
How quickly is the data made available?
As a special service, Boniversum offers you your requested data on the spot. As it is always up to date, you can use it immediately for your credit report. If your personal data account already contains current information, this will also be used immediately to compile your credit report. If not, your information will be requested and these rating agencies will normally send it to you by post within 2-3 weeks. You can scan the documents and upload them directly to our platform.
What should I do if the identity check fails?
We make sure that nobody but you can request and receive your credit report. If the identity check is unsuccessful, it may be because the name on the payment method used doesn't match the name in your profile.
Can I also order the itsmydata credit score report using a foreign ID document?
Unfortunately not. You need to have proof of residence in Germany.
How secure is generation of the itsmydata credit report?
Your data is used solely to generate the report and stored in your personal data account. Only you have access to your data. – Your data account is free of charge and you can either maintain it or delete it after using your report (90 days).
How can a landlord verify the accuracy of the data in the itsmydata credit report?
Your landlord or business partner can use a verification code to check the data. The verification code is printed on each credit report. By entering your name and using this code, the person can check here whether the results document corresponds to a valid credit report.
How often can I generate a credit report for myself?
You can generate a credit report for yourself as often as you like. However, you can also use a credit report multiple times and present it to multiple landlords and business partners.
How long is a credit report valid?
There is not normally any official rule on length of validity. It depends on whether the person interested in your credit score accepts your credit report. However, we recommend using a credit report for no longer than 120 days, as your credit score is constantly subject to change.
Why is the itsmydata credit report so much cheaper than other credit reports?
itsmydata supports you in exercising your data rights and regaining control of your own personal data. As your credit score information is also your personal data, we only charge a kind of service fee for providing the credit report.