Neuer SCHUFA-Score: Wir rechnen vor, worauf es ankommt (2026) | BUY BETTER SWR

From March 2026, a central points-based score, based on just 12 criteria, will replace SCHUFA's old, opaque percentage system. Instead of a black box of over 250 factors, there will now be a scale of up to 999 points. We're putting it to the test: Will the new transparency initiative really make credit checks fairer? Clara takes a close look at the new SCHUFA score and calculates her own score. NEW INFORMATION: After completing the video, Klarna informed us that the company is participating in a SCHUFA pilot project: The agreement stipulates that Klarna will obtain credit information from SCHUFA for purchases on account and "Buy Now, Pay Later" requests, but this information will not affect the SCHUFA score. The pilot project is not mentioned in the press material that SCHUFA sent us in preparation for our report. We have not yet been informed, even after inquiring, how many other companies are participating in the pilot project. Due to a lack of communication regarding the pilot project, it's difficult for consumers to understand when a purchase on account or in installments triggers a SCHUFA inquiry and whether this inquiry is included in the credit score. However, even during the pilot project, using "Buy Now, Pay Later" can still affect your SCHUFA score. According to SCHUFA, this applies to BNPL (Buy Now, Pay Later) models where fees are charged, primarily in the form of interest, due to longer terms or multiple installments. These BNPL variants are considered consumer loans due to their contractual structure and are included in the score. The "Pay 30 Days Later" model, on the other hand, is not a reportable installment loan (§491 BGB and §506 BGB) and is not reported to SCHUFA, thus not affecting the score. The specific legal terms of each product are always decisive. You can find out what applies to your specific case in the respective terms and conditions. A new Consumer Credit Directive is currently being implemented, which will change the requirements for creditworthiness assessments in the area of ​​BNPL (Buy Now, Pay Later). This change is scheduled to come into effect in November 2026. The pilot project by Klarna and SCHUFA will end as soon as the implementation of the Consumer Credit Directive is finalized through the third reading in the Bundestag (German Federal Parliament). __________ 00:00 New SCHUFA Score 00:29 Who is SCHUFA? 03:27 SCHUFA Login 03:45 Criteria 1-4 05:25 Systematic Disadvantage of Young People? 06:25 Criteria 5-7 07:18 Buy Now, Pay Later: Bad for the Score? 08:57 Criteria 8-12 11:06 Klarna's Score 11:18 Is the New SCHUFA Score Better? Conclusion -------------- This video is part of BUY BETTER, a format by SWR. It was published on March 17, 2026, on the ARD Marktcheck channel. By the way: Since BUY BETTER belongs to ARD, you can download this video for free and watch it offline on the go. 😊 -------------- 📢 Have you already tested the new SCHUFA portal? And were you surprised by your SCHUFA score? Let us know in the comments. 👋 WELCOME TO BUY BETTER! ``` Every other Thursday at 5 PM, we release exciting new videos on this channel, taking you behind the scenes of products and services and debunking social media hype. 🔍 ✔ Our hosts Clara Kaltenbacher, Lea Spraul, and Marcel Aburakia explain how to make smart and sustainable purchasing decisions. Or simply how to be prepared to share the most interesting background information with your friends next time you're chatting. ... 🎥 Our Team: Author: Josefine Liesfeld Host: Clara Kaltenbacher Camera: Leon Frind Sound: Marina Funck Graphics: Isabell Rudinek, Vicky Janke Editorial Team: Josefine Liesfeld, David Kirik, Isabell Geidel, Nina Bechtold Editorial Director: Patrick Schramm Production: Kathy Roth, Ziska Arnold SWR Editorial Team: Marc Stephan, Jens Schreglmann, Verena Ziegler, Janika Müller Executive Producers: Yann Thönnessen, Hannes Jakobsen Image Sources: DRIVEbeta, SCHUFA, Freepik -------------- ►    • Darum sollten WIR ALLE unsere SCHUFA-Ausku...   ►   • SCHUFA: Wir durchleuchten das SYSTEM | BUY...   ►    • Teure Wohnungssuche - das System hinter de...   -------------- ► An article about SCHUFA can be found here: https://www.swr.de/leben/verbraucher/... -------------- ► More current information on our homepage: https://marktcheck.ard.de ► More practical everyday tips and tricks on our Facebook page:   / ard.marktcheck   ► We look forward to your comments – but please observe netiquette: https://www.swr.de/home/netiquette-10... ►Our legal notice: https://www.swr.de/impressum/ ►Our privacy policy: https://www.swr.de/datenschutz #schufa #finance #money