The deletion request, fully drafted.
Choose what is wrong with the entry. The tool writes the request to the credit bureau and the demand to the creditor – with the right sections of law, deadlines and the request for evidence. Both letters are in German, ready to send.
Frequently asked questions
Can I have every entry deleted with this letter?
No. A factually correct, lawfully reported entry stays until the storage period expires – even after the best letter. The letter works where the report did not meet the legal requirements (Section 31(2) BDSG), where data is wrong (Article 16 GDPR) or where the period has expired (Article 17 GDPR).
Do I write to the credit bureau or to the creditor?
To both. The credit bureau is legally responsible for the data it stores and must examine. The creditor made the report and can withdraw it – that is often faster. That is why the tool generates two letters.
How long does the credit bureau have to reply?
Without undue delay, at the latest within one month of receipt (Article 12(3) GDPR). In complicated cases it may extend the period by two months, but must say so within the first month. That is why the letter sets a deadline of four weeks.
What do I do if the credit bureau refuses or does not reply?
Complaint to the competent data protection supervisory authority (Article 77 GDPR) – for SCHUFA that is the Hessian Commissioner for Data Protection and Freedom of Information. In addition there is the SCHUFA ombudsman. Both are free of charge. FIAON takes over this escalation for customers.
Should I send by e-mail or by post?
By post as registered mail with return receipt – or as registered delivery. You will later need proof of when the letter was received. Credit bureaus often demand a copy of your ID for identification; black out everything on it except name, address and date of birth.