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JustOn SCHUFA Inquiries

JustOn SCHUFA Inquiries is a Salesforce app that lets you obtain credit rating information on your customers from SCHUFA. This data then serves as the basis for shaping your business relationships.

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SCHUFA provides credit rating information as a paid service. Before you can use JustOn SCHUFA Inquiries, you must enter into a corresponding contract with SCHUFA.

To request credit rating information, JustOn SCHUFA Inquiries links your Salesforce customer data (typically leads or accounts) with company or consumer data records at SCHUFA. You can then retrieve reports with different levels of detail and receive continuous updates.

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Which SCHUFA reports does JustOn SCHUFA Inquiries support?

For business with corporate customers (B2B), JustOn SCHUFA Inquiries supports

  • SCHUFA Short Inquiry (with PDF document)
  • SCHUFA Direct Short Inquiry
  • SCHUFA Compact Inquiry (with PDF document)
  • SCHUFA Full Inquiry (with PDF document)
  • SCHUFA monitoring service

For business with consumers (B2C), JustOn SCHUFA Inquiries supports

  • SCHUFA Consumer Inquiry (PDF document planned)

For more information on these products and on the SCHUFA offering, see the SCHUFA website:

B2B and B2C credit rating information
Becoming a corporate customer
Questions & answers for companies

What do the values in a SCHUFA report mean?

Besides some master data, the credit rating index and the possible default rate are the most important details of the SCHUFA report. They are derived from various key figures, including equity, liquidity, revenue and payment behavior. In addition, the insolvency status displays information on insolvency proceedings, if any.

Credit rating index

The credit rating index, or score, as a measure for assessing a company's ability to pay, is a number of "points" between 100 and 600, where a lower value means a good and a higher value a poor credit rating (see Credit Rating Index).

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Default rate

The default rate, or risk, expresses the probability (in percent) of a loss in a business relationship with a company.

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Score and risk do not necessarily move in sync – a company may still have a higher default risk despite a good score.

Insolvency status

The insolvency status indicates whether insolvency proceedings have been opened and which phase they are in. JustOn SCHUFA Inquiries retrieves the insolvency status with inquiries of the type Compact Inquiry, Direct Short Inquiry and Full Inquiry in business with corporate customers (B2B context), and uses a numeric code to display it:

Status code Meaning
1 Opening proceedings applied for
2 Opening proceedings revoked
3 Insolvency opened
4 Insolvency discontinued/revoked
5 Announcement of discharge of residual debt
6 Discharge of residual debt granted
7 Discharge of residual debt denied/revoked