Exclusively at itsmydata: the only international credit report

Credit report without borders.

You can finally show your landlord that there is no negative information regarding your creditworthiness - neither in your home country nor in Germany - without a German residence.

Only 29,90€. Immediately available as a PDF file. Valid for 3 months.

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Please choose your country

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Austria

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Germany

Netherlands

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Belgium

Italy

Spain

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Sweden

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United Kingdom

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USA

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Finally: show your creditworthiness without a German residence!

Landlords are often requesting a credit report to check potential tenants' creditworthiness. Unfortunately, the credit reports currently on the market require for you to already have a residence in Germany to even be able to buy a report. An impossible task if you are just in the middle of planning your move to Germany. Thanks to the Internationaler Bonitätspass, your international credit report, this dilemma is in the past:

You can finally show your creditworthiness to your landlord without having a German residence. We check your creditworthiness in your home country as well as in Germany - therefore you are able to show your creditworthiness across countries and convince your landlord! Sounds good, right? 

Get your Internationaler BonitätsPass (international credit report) in only 2 minutes and increase your chances for your dream apartment in Germany.

Your benefits

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Immediate digital availability

Waiting for a credit report for days? Not here! You can download your international credit pass immediately and directly forward it via e-mail or print it. Your credit pass will be available to you after only 2 minutes - no ID card necessary - also while on the road.

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Credit report without borders

The International BonitätsPass (international credit pass) is the first credit report showing your creditworthiness in your home country as well as in Germany. This enables you to show your financial stability across countries to third parties.

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Maximum safety for your landlord

The Internationaler BonitätsPass (international credit pass) contains a QR-Code, verifying the authenticity of the document. Therefore, you can prove the correctness of your data to third parties and increase safety and trust.

Quick and simple

Only 4 steps to your credit report

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1. Choose your country

Select your home country by clicking the corresponding flag to get to the order form.

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2. Input your data

Input your data in the order form. Please be mindful of data correctness and avoid typos.

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3. Choose your payment method

Via PayPal or credit card - choose your preferred payment method and complete the order process.

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4. Receive your report

Receive your Internationaler BonitätsPass digitally and download it as a .pdf file to show to third parties.

What's in your international credit report

Your international report

The Internationaler BonitätsPass contains proof of your identity and shows the creditworthiness data of your home country as well as Germany. 

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Your home country

Your home country's credit report confirms the credit information in your home country. The document's authenticity can be validated via verification code. 

Germany

The German credit report confirms your credit information in Germany. The document's authenticity can be validated via verification code. 

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Frequently Asked Questions

Which payment methods are available?

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

Can i also buy the credit pass with a foreign residence?

Yes! You do not require a German residence.

What should i do if the identity check fails?

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

What data does the credit pass contain?

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.

How quick is the data made available?

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

How long is a credit pass valid?

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

What is the purpose of the itsmydata credit pass?

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. 

Why is the credit pass so safe for landlords?

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.

How can landlords check the credit pass' data accuracy?

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.

Why does the credit pass contain information from Creditreform Boniversum, Experian (infoscore Consumer Data) and Regis24?

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.

Do the credit agency requests have any influence on my score?

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

What are 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.

How can i view the full selfrequests?

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

What is negative data?

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.

©itsmydata 2024. All rights reserved

©itsmydata 2024. All rights reserved