Having a SCHUFA entry deleted – attorney for data protection and SCHUFA law
I review whether your entry in SCHUFA (Germany's main credit bureau) exists unlawfully, and take action against it.
3 minutes, anonymous · then send documents and instruct me directly · or enquire by email
Does this match your case?
Reported incorrectly or without justification
A claim that you have disputed or that was never established by a court.
More in the article →Paid, but the entry is still there
The invoice has been settled, but the payment default remains stored at SCHUFA.
More in the article →Entry after discharge of residual debt
After personal insolvency, the note is stored for longer than the insolvency register permits.
More in the article →Unjustified report by a mobile provider or bank
Contract data or claims that were transmitted to SCHUFA without sufficient reason.
More in the article →Poor score for no apparent reason
A contract fails because of your score, and nobody explains to you how it came about.
More in the article →Incomplete disclosure, old data
The suspicion that SCHUFA continues to store older data or does not mention it in the disclosure.
More in the article →SCHUFA-Check: review and instruct me directly
About three minutes, anonymous. Afterwards, you send me your documents via a form and instruct me directly.
How it works
- 1.Enquiry
You call or send me an email describing your matter. I usually get back to you within 24 hours.
- 2.Review of your self-disclosure
Together we look at what SCHUFA has stored about you, who made the report and since when it has existed. This usually takes us a few days.
- 3.Letters to SCHUFA and the creditor
I demand deletion, correction or withdrawal where the report cannot be upheld. The reply often comes within a few weeks.
- 4.If necessary, lawsuit or complaint
If nobody responds or the reply remains inadequate, a complaint to the data protection authority or court action may be considered.
What you can do in advance
Request your free SCHUFA self-disclosure informally and send it to me by email. This noticeably speeds up the first assessment, because I can then see directly what has been reported.
Fees – specific and honest
- First assessment: free of charge
- Initial consultation: 226.10 € for 50 minutes
- Out-of-court action: 595 € fixed price per SCHUFA entry – even if the creditor, a debt collection agency and SCHUFA are involved. Each further entry: 295 €. Bookable subject to the prospects of success.An entry is a reported claim in your SCHUFA disclosure. The fixed price covers one letter of demand and one follow-up round per party involved. Court proceedings or a complaint to the data protection authority are agreed separately.
- Further action: flat fee or hourly rate, discussed in advance and agreed in writing
All prices incl. 19% VAT.
With legal expenses insurance, the insurer often covers a large part of the costs; depending on the policy, a deductible remains.
About me
I am an attorney in Berlin with a focus on data protection and IT law as well as banking and capital markets law. I follow the case law on SCHUFA continuously and regularly publish articles on it.
I am admitted to the bar at the Rechtsanwaltskammer Berlin (Berlin Bar Association).
Frequently asked questions
How long does it take to have a SCHUFA entry deleted?
That depends on the individual case. If the reporting creditor withdraws the report, things often move quickly. If it comes to a dispute, weeks or months may pass. I therefore cannot commit to a fixed time frame, but I can start the review immediately.
What does a lawyer cost for a SCHUFA entry?
The first assessment is free of charge. The initial consultation costs 226.10 € for 50 minutes. For out-of-court action, a fixed price of 595 € per SCHUFA entry applies – regardless of whether a debt collection agency and SCHUFA are involved in addition to the creditor. Each further entry costs 295 €. Court proceedings only by separate arrangement. All prices incl. 19% VAT.
When is a claim for damages worthwhile?
If an unjustified report has caused you a specific disadvantage, such as a refused loan or terminated contracts, a claim for damages under Art. 82 GDPR may be considered. The amount depends on the individual case.
Does a SCHUFA self-disclosure help?
Yes. The self-disclosure shows which data is stored and where it comes from. It is the basis of every review and can be requested informally. The disclosure is free of charge for you.
Will my legal expenses insurance cover the costs?
Often yes, if your policy covers data protection or contract law. Please clarify this with your insurer in advance. I will be glad to support you with the request for cover.
What happens if SCHUFA or the creditor does not respond?
Then a complaint to the data protection authority and, where appropriate, a lawsuit may be considered. I cannot promise a particular outcome, but I will assess which course makes sense in your case.
Do you only work in Berlin?
No. Advice and correspondence take place online, by email and by post, including throughout Germany. You are welcome in Berlin for a personal meeting.
Your entry – have it reviewed now
3 minutes, anonymous · then send documents and instruct me directly · or enquire by email
Whether a SCHUFA entry is unlawful in the individual case depends on the specific circumstances. I cannot and may not give you a guarantee of success. The review serves to assess your matter carefully and to keep the risk as low as possible.