{"id":1176,"date":"2025-06-18T10:33:38","date_gmt":"2025-06-18T10:33:38","guid":{"rendered":"https:\/\/grouppobccspa.com\/?page_id=1176"},"modified":"2025-06-28T22:51:34","modified_gmt":"2025-06-28T20:51:34","slug":"cattivi-pagatori","status":"publish","type":"page","link":"https:\/\/finanzionag.com\/?page_id=1176","title":{"rendered":"SCHLECHTE ZAHLER"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1176\" class=\"elementor elementor-1176\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f93462f e-flex e-con-boxed e-con e-parent\" data-id=\"4f93462f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-152c175a e-con-full e-flex e-con e-child\" data-id=\"152c175a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ea8c53c elementor-widget elementor-widget-heading\" data-id=\"1ea8c53c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">PRESTITI A CATTIVI PAGATORI<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-047815d e-flex e-con-boxed e-con e-parent\" data-id=\"047815d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ff1655 elementor-widget elementor-widget-spacer\" data-id=\"1ff1655\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-83c3292 e-flex e-con-boxed e-con e-parent\" data-id=\"83c3292\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bfeabdb elementor-widget elementor-widget-text-editor\" data-id=\"bfeabdb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 data-start=\"61\" data-end=\"105\"><strong data-start=\"61\" data-end=\"105\">Ist es m\u00f6glich, eine Meldung zu l\u00f6schen?<\/strong><\/h2><p data-start=\"107\" data-end=\"219\">Es ist nicht m\u00f6glich, eine legitime Meldung bei der CRIF oder CTC einfach auf Anfrage zu \u201el\u00f6schen\u201c, es sei denn:<\/p><ol data-start=\"221\" data-end=\"623\"><li data-start=\"221\" data-end=\"390\"><p data-start=\"224\" data-end=\"390\"><strong data-start=\"224\" data-end=\"254\">Die Meldung ist fehlerhaft<\/strong>: In diesem Fall kannst du eine formelle Beschwerde bei der Kreditinstitution oder direkt beim SIC einreichen und den Fehler nachweisen.<\/p><\/li><li data-start=\"392\" data-end=\"623\"><p data-start=\"395\" data-end=\"623\"><strong data-start=\"395\" data-end=\"425\">Die Schuld wurde beglichen<\/strong>: Sobald die Schuld beglichen ist, wird die Meldung nicht sofort gel\u00f6scht, sondern als \u201ebeglichen\u201c (\u201eerledigt\u201c) aktualisiert. Der Eintrag bleibt f\u00fcr einen bestimmten Zeitraum sichtbar (siehe unten).<\/p><\/li><\/ol><hr data-start=\"625\" data-end=\"628\" \/><p data-start=\"630\" data-end=\"678\"><strong data-start=\"630\" data-end=\"678\">Wann wird eine Meldung automatisch gel\u00f6scht?<\/strong><\/p><p data-start=\"680\" data-end=\"774\">Die Fristen f\u00fcr die automatische L\u00f6schung von Meldungen variieren je nach Schwere des Verzugs:<\/p><p data-start=\"776\" data-end=\"914\">\u25cf <strong data-start=\"778\" data-end=\"814\">Verz\u00f6gerungen von 1 oder 2 Raten<\/strong>: Die Meldung wird nach 12 Monaten gel\u00f6scht, sofern die nachfolgenden Zahlungen regelm\u00e4\u00dfig erfolgen.<\/p><p data-start=\"916\" data-end=\"967\">\u25cf <strong data-start=\"918\" data-end=\"966\">Schwerwiegendere Verz\u00f6gerungen oder Ausf\u00e4lle<\/strong>:<\/p><p data-start=\"969\" data-end=\"1139\">\u25cb Bei <strong data-start=\"975\" data-end=\"1025\">nicht beglichenen Krediten oder Finanzierungen<\/strong> bleibt die Meldung <strong data-start=\"1045\" data-end=\"1058\">36 Monate<\/strong> ab dem Datum der Vertragsbeendigung bestehen (auch bei vorzeitiger R\u00fcckzahlung).<\/p><p data-start=\"1141\" data-end=\"1304\">\u25cb Wenn die Schuld <strong data-start=\"1159\" data-end=\"1176\">nie beglichen<\/strong> wurde, bleibt die Meldung <strong data-start=\"1203\" data-end=\"1216\">36 Monate<\/strong> ab dem Datum bestehen, an dem die letzte Aktualisierung durch das Institut erfolgt ist.<\/p><p data-start=\"1306\" data-end=\"1427\">\u25cf <strong data-start=\"1308\" data-end=\"1343\">Abgelehnte Finanzierungsantr\u00e4ge<\/strong>: Diese Informationen werden <strong data-start=\"1372\" data-end=\"1398\">innerhalb von 30 Tagen<\/strong> nach der Erfassung gel\u00f6scht.<\/p><hr data-start=\"1429\" data-end=\"1432\" \/><p data-start=\"1434\" data-end=\"1443\"><strong data-start=\"1434\" data-end=\"1443\">Fazit<\/strong><\/p><p data-start=\"1445\" data-end=\"1794\">Die Meldungen dienen zur Bewertung der Kreditw\u00fcrdigkeit und sind <strong data-start=\"1510\" data-end=\"1528\">nicht strafend<\/strong>, sondern spiegeln lediglich den Verlauf deiner Kreditbeziehungen wider. Es ist entscheidend, Zahlungen regelm\u00e4\u00dfig zu leisten und im Falle von Schwierigkeiten <strong data-start=\"1687\" data-end=\"1729\">sofort den Kreditgeber zu kontaktieren<\/strong>, um zu vermeiden, dass ein Zahlungsverzug zu einer Meldung wird.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8514699 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"8514699\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/finanzionag.com\/?page_id=15\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Kontaktieren Sie uns<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e1b9e4c e-flex e-con-boxed e-con e-parent\" data-id=\"e1b9e4c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1775c72 elementor-widget elementor-widget-spacer\" data-id=\"1775c72\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>PRESTITI A CATTIVI PAGATORI Ist es m\u00f6glich, eine Meldung zu l\u00f6schen? Es ist nicht m\u00f6glich, eine legitime Meldung bei der CRIF oder CTC einfach auf Anfrage zu \u201el\u00f6schen\u201c, es sei denn: Die Meldung ist fehlerhaft: In diesem Fall kannst du eine formelle Beschwerde bei der Kreditinstitution oder direkt beim SIC einreichen und den Fehler nachweisen. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","footnotes":""},"class_list":["post-1176","page","type-page","status-publish","hentry","entry"],"_links":{"self":[{"href":"https:\/\/finanzionag.com\/index.php?rest_route=\/wp\/v2\/pages\/1176","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finanzionag.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/finanzionag.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/finanzionag.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finanzionag.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1176"}],"version-history":[{"count":19,"href":"https:\/\/finanzionag.com\/index.php?rest_route=\/wp\/v2\/pages\/1176\/revisions"}],"predecessor-version":[{"id":2504,"href":"https:\/\/finanzionag.com\/index.php?rest_route=\/wp\/v2\/pages\/1176\/revisions\/2504"}],"wp:attachment":[{"href":"https:\/\/finanzionag.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1176"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}