Abridged English version of the SCHUFA Credit Compass 2008

Number of individuals in the risk levels
Debt Compass | A | Basic Analysis A-1 | 3
The total SCHUFA data portfolio of approx. 65 million native adults in Germany was made
anonymous and analysed for the Debt Compass. With the help of risk models, a differentiated
allocation of all individuals into the different risk levels is possible. Table 3.1.1 shows how many
individuals at least 18 years old are found in which risk level. Young adults, between 18 to 24
years old, are separately considered in Table 3.1.2.
Individuals in the 2007 risk levels
Warning level Number Percentage (2007) Percentage (2006)
• Green 58,624,219 89.9 90.0
• Yellow 2,341,536 3.6 3.3
• Orange 1,019,946 1.5 1.6
• Red 3,265,514 5.0 5.1
Total 65,269,215 100.0 100.0
Tab. 3.1.1
Individuals between 18 and 24 years old in the 2007 risk levels
Warning level Number Percentage (2007) Percentage (2006)
• Green 5,231,336 86.4 86.5
• Yellow 533,744 8.8 8.4
• Orange 59,406 1.0 1.0
• Red 229,310 3.8 4.1
Total 6.053,796 100.0 100.0
Tab. 3.1.2
Around 90 percent of all individuals whose information is stored by SCHUFA are in the green
risk level. The percentage of all adults in the red level rose by around five percent from 2006.
However, the differentiated examination of individuals between 18 and 24 years old shows
a decline in the percentage of young adults in this risk level: from 4.1 percent in 2006 to
3.8 percent in 2007.
Since the process of over-indebtedness begins before reaching one of the hard negative indicators
(red level), the yellow and orange warning levels are especially important. The percentage
of 18 to 24 year olds is in contrast to that of all age groups in the yellow level, with nearly nine
percentage points over the average of about 3.6 percent. However, the percentage of young
adults in the orange level is around one percent, while the general average is around 1.5 percent.
35