October 13, 2026, 9:06 am | Read time: 2 minutes
Old consumer data in the Schufa archive has sparked discussions in recent months. Many affected individuals wanted to know what else was stored about them. Now the pondering is over. Those who requested the old data should receive a letter with access codes in the coming days. This will allow them to retrieve the previously hidden information from the data archive online.
As Schufa announced on October 9, the additional information not only includes previous data statuses but also details on which data was used for a score calculation. Additionally, Schufa shows which company requested information and which evaluation model was used. The 20-page excerpt also contains personal details, previous addresses, company inquiries, and the respective archive periods.
Also of interest: What Schufa knows about you and what it doesn’t – TECHBOOK
What data is stored in the archive
Recently, the Schufa’s “shadow database” received special attention. However, the credit agency emphasizes that it primarily stores the archived information for legal reasons. These include, for example, proof and control obligations towards data protection authorities. Schufa also uses the data stock to review and further develop its evaluation models.
The archived data sets, however, do not flow into the current credit rating. According to Schufa, other data is used for the score calculation, which assesses creditworthiness. With the additional information, consumers should be able to understand which personal data Schufa has stored and whether it is processed lawfully.
Old data not yet requested?
That’s not a problem. Those who have not yet requested the data can still do so through a request under Article 15 of the General Data Protection Regulation (GDPR). Consumers should explicitly ask for historical or archived data. Schufa usually responds to such requests within a month.
In particularly complex cases or a high number of requests, the deadline can be extended to up to three months. For 2027, Schufa also announces a revision of its information to make it more understandable and clearer for consumers.