SCHUFA
SCHUFA is a European (EEA-based) fintech-infrastructure provider (Credit risk & decisioning). Verified at source - licence, regulator and registry reference. Active
Who it's for
SCHUFA is built for lenders scoring credit risk and automating decisions. As an unlicensed vendor, regulatory obligations stay on the client's side.
Sovereignty profile
- Data residency (EEA): Yes - hosted in the EEA - GDPR / CLOUD Act safe
- Company origin: EU core (Germany)
What SCHUFA does
Verified licence profile
SCHUFA (Wiesbaden, Germany; founded 1927) - Germany's dominant credit bureau and the oldest in Europe: consumer and business credit scores underpinning most German lending decisions. Deliberately domestic (single-market) focus.
Verified 2026-07-12. How we verify → · Spotted something out of date? Report a correction. · Are you SCHUFA? Work with us →
Similar verified European providers
Algoan (Paris, France) - open-banking credit scoring and decisioning: analyses bank transaction data (AIS) to score creditworthiness for lenders, with partnerships including Worldline and Mastercard. Registered AISP (ACPR). A European, data-minimising alternative to classic bureau scores.
Creditinfo (Reykjavik, Iceland; founded 1997 as Lanstraust) - credit-bureau and decisioning group operating bureaus in 30+ markets; one of the few European players exporting bureau infrastructure globally.
CRIF (Bologna, Italy; founded 1988) - Europe's largest credit-bureau and business-information group: credit bureaus in 50+ countries, credit-risk analytics, decisioning platforms and open-banking-based credit assessment for banks and fintechs.
FAQ
Is SCHUFA European / EEA-based?
Yes. SCHUFA hosts data in the EEA (GDPR / CLOUD Act safe); origin EU core, Germany.
What does SCHUFA do?
SCHUFA covers: Credit risk & decisioning. Verified at source by Fintechnologica.