What information does credit bureau store about me? How can you view or query your credit bureau entries yourself for free?
As a citizen in Germany, since April 1st, 2010 you have § 34 BDSG the right to receive free credit bureau self-disclosure once a year. In the past there have been reports in the media of cases where credit bureau entries were incorrect. In our opinion, reason enough to exercise the right to free credit bureau self-disclosure.
You can get this information only on request from credit bureau and only once a year free of charge , further information per year is subject to a charge. For the free credit bureau self-disclosure, you have to download the credit bureau information application form from the credit bureau official website. You can then fill out the application using a PDF program, then print it out and send it to credit bureau Holding AG by post. After a few weeks you will receive free information about your entries at credit bureau from credit bureau.
But this free PDF credit bureau information form is quite difficult to find on the credit bureau website. While you only need two clicks on the credit bureau website to find the paid credit bureau self-disclosure, there are a few more for credit bureau’s free information.
For this reason, here is a short video tutorial – download instructions for the free credit bureau information application
Download the free credit bureau information form – query credit bureau for free – Instructions
• First visit the homepage: www.credit bureau.de
• Then click on the menu item ” For private customers ”
• On the next page, click on ” Information ” at the top of the menu
• In the side menu on the next page, click on the menu item ” Data overview according to § 34 Federal Data Protection Act ”
• Here you can now select the free credit bureau information form (right side) ” Data overview according to § 34 BDSG ” – and then click on ” Order now “.
You will be taken to a new page, here you can download the order form for the free credit bureau self-disclosure in German, English or Turkish (flag of the language) in “pdf” format.
To open the free credit bureau information request file, you can, for example, use the free PDF reader software from Adobe, i.e. the Adobe Reader. To ensure that the free version stays the same, make sure that you leave the fields ” Alternative: Order credit information ” and bank details blank, do not sign in this section!
When you have completed the free credit bureau request for information, send it together with your copy of your ID – by post to credit bureau.
Who is credit bureau? – What are the tasks of credit bureau? – What is in my credit bureau file (credit bureau card index)?
credit bureau is the abbreviation for protection group for general credit protection. In addition to personal data, credit bureau stores information on the credit transactions made in the past and the opening of accounts at banks, as well as contracts (telephone, credit cards, bankruptcy filing). Deviating, i.e. delinquent payment behavior is also saved by credit bureau. How long does a negative credit bureau entry persist, when is the entry deleted again? When the repayments of the claims have been settled, they will be deleted from the credit bureau file after a certain period (claims under a thousand USD – after one year, claims over a thousand USD – after three years). credit bureau collects this data in order to obtain information about the creditworthiness of private individuals. The information prepared by credit bureau is made available to other companies. From this information, companies can determine whether the consumer is solvent or creditworthy. In addition, one wants to protect the consumer from over-indebtedness.
You can find information on credit bureau, data storage, history, scoring, basic score, industry score, faulty data, abbreviations for storing selected characteristics in the credit bureau and credit bureau online at Wikipedia.
Loans despite negative credit bureau
Secure an instant loan without credit bureau (Swiss credit) without any upfront costs before arranging a loan. A credit bureau-free loan can help you with a debt restructuring. Redeem your expensive overdraft facility and save the expensive interest. With a credit without credit bureau information, consumers can get a loan despite a negative entry at credit bureau.