Your credit score,
finally understandable.
Since March 2026, your score consists of 12 criteria — but what do the numbers mean? Which points improve on their own? And what can you actively do?
We translate your score into clear language: with a comprehensive analysis, concrete improvement tips, and a forecast of how your score will develop over the next 24 months — free and without registration.
Why transparency matters
Your credit score determines whether you get an apartment, receive a loan, or can sign a phone contract. Yet most people don’t know how their score is calculated — let alone how to improve it.
Since March 2026, the calculation is transparent: 12 criteria, clear points, traceable rules. That’s a good step — but the official portal’s presentation is technical and hard to understand for many.
We believe: Everyone should be able to understand their score, without financial expertise or technical know-how. That’s why we translate the numbers into plain language, show what improves automatically, warn about mistakes that worsen the score, and calculate a personal forecast.
What you get
How to get your analysis
Requirement: A free, verified account with the score provider (incl. completed identity verification via Video- or PostIdent).
Direct analysis
Log in with your credentials. We retrieve your score and create the analysis automatically.
- ✓One click — done in 5 seconds
- ✓All 12 criteria incl. dates
- ✓Credentials are not stored
Manual (Copy & Paste)
Log in to the portal yourself, copy the score page text, and paste it into our calculator.
- ✓No credentials needed
- ✓Everything stays in your browser
- ✕A bit more effort (3–5 minutes)
Want to look first?
Check out a sample analysis with fictional data — this is what your personal report will look like.
View demo analysis