It is known as the credit rating agency of the country. It stands for Schutzgemeinschaft für allgemeine Kreditsicherung. It is an acronym for "general credit protection agency." It provides the nation's citizens with a credit score known as the Schufa score. Private company SCHUFA Holding AG, which monitors and maintains credit records for citizens, carries out this task. You can find a flat and/or qualify for a loan in the country with relative ease if you have a good Schufa score. However, some banks will not let you even open an account with them if your Schufa score is not good.

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