In Germany, Schufa refers to the country’s main credit reporting agency, which tracks individuals’ financial reliability, similar to a credit score in other countries. When renting an apartment, landlords often ask for a Schufa-Auskunft, a document showing whether you have any history of unpaid debts, late payments or financial defaults. For German citizens or long-term residents, this report helps landlords assess risk.

As an international newcomer, you likely won’t have a Schufa record yet, which is completely normal. In this case, it helps to explain your situation to landlords and offer alternative proof of financial stability, such as payslips, a job contract or a letter from your employer. Some realtor services even accept a “proof of no record” letter from Schufa, which shows you’re new to the system.

While not every landlord requires a Schufa report, having one, or an explanation ready, can strengthen your application in a competitive housing market.