Your credit file, explained — and acted on.

FIAON is a platform for people in Germany, Austria and Switzerland whose credit file stands between them and a bank account, a card or a flat. You request your free data copy and upload it; we explain it in plain language, send the letters and prepare the account. The bank decides — we make sure your file is ready.

Three layers: insight, action, access

Insight: you request your free data copy from SCHUFA (Germany's main credit bureau), KSV1870 (Austria) or CRIF and Intrum (Switzerland) and upload it; we explain every entry. For new plan customers the FIAON credit assessment is included: your creditworthiness as a bank sees it, from your own bank statements. Action: reviewed letters for entries that can be challenged — deletion requests under Art. 17 GDPR, objections, corrections. You approve, FIAON sends and follows up. Access: a current account, then a card once your file meets the partner's threshold.

What it costs

Monthly plans: twelve monthly instalments, then cancellable monthly. The FIAON credit assessment on its own: €149 one-off, €74 with a running plan. No commission on limits, no fee per letter.

  • Every instalment by bank transfer
  • A named contact person in every plan
  • Your details in the German application take about five minutes

Honest limits

FIAON does not give legal advice in individual cases, does not guarantee deletions and does not decide on cards or limits — the bank does. Correct entries stay. What we can do is make sure that nothing incorrect, outdated or unlawfully reported remains in your file.

Frequently asked questions

Is FIAON available in English?

The website is being translated page by page; the application and the customer area are currently in German. Our team speaks English on the phone and by e-mail.

Which credit bureaus does FIAON work with?

SCHUFA in Germany, KSV1870 and CRIF in Austria, CRIF and Intrum in Switzerland — FIAON explains the data copies you upload. The credit assessment is not a report from a credit bureau and not a credit score. You can request your free data copy yourself at any time — upload it and we will include it.

Can I cancel?

Yes. The plan runs for twelve monthly instalments; you can give notice in text form with one month's notice to the end of those twelve months, and at any time with one month's notice after that. The 14-day right of withdrawal applies in addition.

How long does a settled debt stay on file?

Under the credit bureaus' code of conduct, three years after settlement to the day; if you settle within 100 days of the entry and have no other entries, 18 months. FIAON tracks the exact date for every entry.