Requesting your credit report for free — and assessing your credit with FIAON.
You are legally entitled to your data copy from every credit bureau free of charge — we say that first, and you request it yourself. The FIAON credit assessment is something else: your creditworthiness as a bank sees it, from your own bank statements — €149 one-off, €74 with a running FIAON plan, no subscription.
Data copy or credit assessment?
Self-disclosure under Art. 15 GDPR costs nothing and shows what each credit bureau has stored; our free tools prepare that route. The FIAON credit assessment costs €149 one-off (€74 with a running plan) and shows what a bank reads from your bank statements: household budget, the nine criteria of a credit check, every expense by payee, a traffic light, your FIAON financial score and a twelve-month plan.
How it works
Order and pay; upload your ID and your bank statements for the last three months via a link, no login needed; your FIAON team develops the assessment and a person releases it; you receive it as a PDF by email and in your FIAON area. No credit bureau is contacted. The credit assessment is not a report from a credit bureau and not a credit score.
- No success fee, no hidden costs
- The same in Germany, Austria and Switzerland
- Your free data copy stays your right — upload it and we will include it
Frequently asked questions
Is a credit report really possible free of charge?
Yes. The data copy under Art. 15 GDPR is free by law — at every credit bureau, in Switzerland under Art. 25 DSG. It contains all stored data including reporting date and reporting body. You request it yourself; our generator writes the letter for you. What the bureaus charge for is only the credit certificate to pass on.
What is the FIAON credit assessment?
Your creditworthiness as a bank sees it — from your own bank statements. Around 25 pages: household budget and the nine criteria of a credit check, every income and expense by payee, a traffic light for seven areas, your FIAON financial score, your potential and your twelve-month plan. 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.
What does the credit assessment cost?
€149 one-off. With a running FIAON plan you pay the customer price of €74. For new plan customers the credit assessment is included in the plan — it is the step before our partner bank's link for your card application. No subscription, no success fee.
What do I have to do?
After ordering you get a link and upload your ID and your bank statements for the last three months — no login needed. No credit bureau is contacted.
How long until I have my credit assessment?
Ordering takes a few minutes. We start as soon as your payment has arrived and your ID and bank statements are in. You receive your credit assessment as a PDF by email and in your FIAON area; the status is always visible there.
What is the difference between a data copy and a credit certificate?
The data copy is for YOU: complete, with every entry and every detail — and free. The credit bureaus' credit certificate is for THIRD PARTIES (landlords, say): abridged, meant for showing, and paid. Anyone who wants to know what is stored needs the data copy.
Does SCHUFA see that I am requesting a report?
Self-disclosure is neutral: it is not stored as an enquiry that other banks see, and it does not change your score. The FIAON credit assessment does not contact any credit bureau anyway.
Does this also apply in Austria and Switzerland?
Yes. You request your free data copy in Germany from SCHUFA, CRIF and Creditreform Boniversum, in Austria from KSV1870 and CRIF, in Switzerland from CRIF and Intrum. In Austria the GDPR applies directly, Switzerland has its own rights of access under the revised DSG (Art. 25 DSG). The credit assessment is the same in all three countries.
Is the credit report also available for companies?
Yes. For companies we request the company's data from the business credit bureaus (including Creditreform and CRIF) plus the personal data copy of the owner or the managing director. Every entry is explained, with an action plan and finished letters. It costs €349 on its own and €199 with a running FIAON plan.
Can FIAON promise that entries will be deleted?
No — and nobody can, seriously. Justified, lawfully reported entries stay until the deadline expires; whether an entry is deleted is decided by the credit bureau. The credit assessment does not change any entry — it shows what is in your hands. You can recognise providers who promise deletion as not serious.