Inhaltsangabe

Vorwort 5

Wer ist die Schufa? 6

Welche Daten verarbeitet die Schufa? 8

Was speichert die Schufa von Ihnen? 10

Was ist die so genannte Schufa-Klausel? 11

Was ist das so genannte Schufa-Scoring-Verfahren? 12

An wen gibt die Schufa die Daten weiter? 13

Die Schufa stellt sich positiv dar 14

Was ist das Gefährliche an der Schufa? 15

Wie lange speichert die Schufa Daten? 16

Die problematischen «harten Fälle» 17

Was kann man also tun? 18

Kennen Sie Ihre gespeicherten Daten! 19

Musterbrief: Antrag auf unentgeltliche Selbstauskunft 21

Wie rechtfertigt sich das Entgelt? 24

Analysieren Sie die gespeicherten Daten 25

Die Negativeinträge 26

Harte Negativeinträge 26

Musterbrief: Löschung aus Schuldnerverzeichnis (bei Amtsgerichten) 28

Musterbrief: Löschung Schufa-Eintrag wg. Schuldnerverzeichnis 29

Musterbrief: Widerruf einer unrichtigen Meldung an die Schufa 30

Weiche Negativeinträge 32

Musterbrief: Widerruf eines unrichtigen Eintrages 34

Musterbrief: Widerruf des Eintrages einer strittigen Forderung 35

Musterbrief: Widerruf eines berechtigten Eintrages unter 1.000 EUR 37

Sonstige Einträge 41

Nachwort 42

Musterbrief: Widerruf der Schufa-Schufa-Klausel 44

Vorwort

Lieber Leser,

liebe Leserin,

Kennen Sie Ihren Gegner!

Nach Eigenauskunft der Schufa kennen 85% der Bundesbürger den Begriff «Schufa».

Trotzdem wissen die Meisten nicht, wer oder was sich dahinter genau verbirgt.

Um Ihre etwaigen Schwierigkeiten mit der Schufa jedoch lösen zu können, sollten Sie Ihren

"Gegner\"kennen.

Ja! Betrachten Sie die Schufa ruhig als Gegner – auch wenn sich die Schufa auf der

unternehmenseigenen Webseite «meineSchufa»offen und zugänglich zeigt und Ihnen

weismachen will, dass die gespeicherten Informationen auch Ihren Interessen dienen

würden.

Sie tun es – sicher –in Tausenden von Fällen.

","html_annotation_litres":"","first_time_sale_at":"2024-11-09T23:55:50","is_azimyt_trial":false,"is_pdw_trial":false,"is_discount_forbidden":false,"is_preorder_show_fragment":false,"reviews_count":0,"livelib_rated_count":0,"livelib_rated_avg":0,"livelib_ratings":null,"parent_podcast_name":null,"parent_podcast_id":null,"parent_podcast_url":null,"podcast_episodes_count":null,"is_podcast_complete":false,"is_podcast_last_episode":false,"is_webtoon_complete":false,"genres":[{"id":5276,"uuid":"ed1783a5-f034-11e5-a511-0cc47a5454c6","name":"сделай сам","is_root":false,"url":"/genre/sdelay-sam-5276/"}],"tags":[],"paper_book":null,"paper_books":[],"isbn":"9783742765208","publication_date":"2024-11-09","quotes_count":0,"is_auto_speech":false,"youtube_videos":[],"contents_url":null,"is_prohibited_for_sale":false,"additional_info":{"registered_at":"2022-04-09T10:38:32","translated_at":null,"current_pages_or_seconds":50,"expected_pages_or_seconds":null},"publisher":{"id":31994542,"name":"neobooks","url":"/author/neobooks/"},"copyrighter":{"id":null,"name":"Bookwire","url":null},"rightholders":[{"id":null,"name":"Bookwire","url":null}],"is_referrable":true,"referral":null,"alisa_url":null,"update_events":["none"],"prequels":[],"alternate_urls":[{"url":"https://litres.de/book/thomas-schmid/so-werden-sie-ihre-negativen-schufa-eintrage-los-67499782/","language":"de"},{"url":"https://litres.com/book/thomas-schmid/so-werden-sie-ihre-negativen-schufa-eintrage-los-67499782/","language":"en"},{"url":"https://litres.es/book/thomas-schmid/so-werden-sie-ihre-negativen-schufa-eintrage-los-67499782/","language":"es"},{"url":"https://www.litres.ru/book/thomas-schmid-22261415/so-werden-sie-ihre-negativen-schufa-eintrage-los-67499782/","language":"ru"},{"url":"https://litres.pl/book/thomas-schmid/so-werden-sie-ihre-negativen-schufa-eintrage-los-67499782/","language":"pl"},{"url":"https://litres.az/book/thomas-schmid/so-werden-sie-ihre-negativen-schufa-eintrage-los-67499782/","language":"az"},{"url":"https://litres.ee/book/thomas-schmid/so-werden-sie-ihre-negativen-schufa-eintrage-los-67499782/","language":"et"},{"url":"https://litres-tr.com/book/thomas-schmid/so-werden-sie-ihre-negativen-schufa-eintrage-los-67499782/","language":"tr"}],"is_art_online_readable":false,"webtoon_chapter_number":null,"webtoon_parent_id":null,"next_webtoon_chapter_id":null,"meta_title":null,"meta_tags":{"root":{"title":"So werden Sie Ihre negativen Schufa-Einträge los!, Thomas Schmid – читать онлайн на Литрес","description":"В сервисе электронных книг 📚 Литрес можно читать онлайн «So werden Sie Ihre negativen Schufa-Einträge los!» от Thomas Schmid! Оставляйте и читайте отзывы о книге на Литрес!","rel_canonical_url":null,"seo_robots":null,"open_graph_title":null,"open_graph_description":null,"text":null},"readonline":null,"reviews":null,"quotes":null},"audio_drm3_key":null},"fulfilledTimeStamp":1746030564066},"getSimilarArtsForRecommendation({\"artIDorSlug\":\"book/thomas-schmid-22261415/so-werden-sie-ihre-negativen-schufa-eintrage-los-67499782\",\"limit\":24,\"offset\":\"840\"})":{"status":"fulfilled","endpointName":"getSimilarArtsForRecommendation","requestId":"QSEr6cfUnj23V4bjTc-9Q","originalArgs":{"artIDorSlug":"book/thomas-schmid-22261415/so-werden-sie-ihre-negativen-schufa-eintrage-los-67499782","offset":"840","limit":24},"startedTimeStamp":1746030563890,"data":{"pagination":{"next_page":null,"previous_page":"/api/arts/book/thomas-schmid-22261415/so-werden-sie-ihre-negativen-schufa-eintrage-los-67499782/similar?limit=24&offset=816"},"data":[],"recommendation_model_version":{"response_model_tag":"not_ranked_top","response_model_name":"not_ranked_top 2025-04-30_16-30-10"}},"fulfilledTimeStamp":1746030564083}},"mutations":{},"provided":{"Art":{"67499782":["getArtData({\"artIdOrSlug\":\"book/thomas-schmid-22261415/so-werden-sie-ihre-negativen-schufa-eintrage-los-67499782\"})"]},"ArtShortList":{"__internal_without_id":["getSimilarArtsForRecommendation({\"artIDorSlug\":\"book/thomas-schmid-22261415/so-werden-sie-ihre-negativen-schufa-eintrage-los-67499782\",\"limit\":24,\"offset\":\"840\"})"]}},"subscriptions":{"getBanners({\"place\":\"web-header-full-width\"})":{"t3wOB453o9xljyeEiCNbA":{}},"getArtData({\"artIdOrSlug\":\"book/thomas-schmid-22261415/so-werden-sie-ihre-negativen-schufa-eintrage-los-67499782\"})":{"vMlScjQc58uNDEeJfx_p9":{}},"getSimilarArtsForRecommendation({\"artIDorSlug\":\"book/thomas-schmid-22261415/so-werden-sie-ihre-negativen-schufa-eintrage-los-67499782\",\"limit\":24,\"offset\":\"840\"})":{"QSEr6cfUnj23V4bjTc-9Q":{}}},"config":{"online":true,"focused":true,"middlewareRegistered":true,"refetchOnFocus":false,"refetchOnReconnect":false,"refetchOnMountOrArgChange":false,"keepUnusedDataFor":60,"reducerPath":"rtkqApi"}},"HeadHunterApi":{"queries":{},"mutations":{},"provided":{},"subscriptions":{},"config":{"online":true,"focused":true,"middlewareRegistered":true,"refetchOnFocus":false,"refetchOnReconnect":false,"refetchOnMountOrArgChange":false,"keepUnusedDataFor":60,"reducerPath":"HeadHunterApi"}},"user":{"accountSettings":{"actions":{"changePasswordCSRF":{},"changeProfilePrivacyCSRF":{},"setMarketingConsentCSRF":{}}},"credentials":{"isAnon":true,"userID":"0","userSID":"anonimous-empty-sid","name":"Anonymous","groups":[8,16],"lfrom":"","actions":{"changeCredentialsCSRF":{}}},"balance":{"account":0,"bonus":0,"accountFull":0},"basket":{"inBasket":0,"inDeferred":0,"purchased":0},"library":{},"boughtCollections":{"collections":[]},"notifications":{"isLoading":false,"unreadedCount":0,"allCount":0,"list":[]},"abonement":{"active":false,"price":"399"},"subscription":{"subscriptionClass":[{"id":1,"trial":true,"month":1,"price":"0","pricePerMonth":"0","basePrice":"399"},{"id":2,"trial":false,"month":1,"price":"399","pricePerMonth":"399","basePrice":"399"}],"active":false},"partnersSubscriptions":{"isAnyPartnerSubscriptionActive":false,"isMegafonSubscriptionActive":false,"isRostelecomSubscriptionActive":false,"isYotaSubscriptionActive":false,"isA1SubscriptionActive":false,"isKCellSubscriptionActive":false,"isInlabSubscriptionActive":false,"isTinkoffSubscriptionActive":false,"isLifebelSubscriptionActive":false},"socnet":{"attachedSocnets":[]},"avatar":{"availability":false,"avatarHash":"16","actions":{"uploadAvatarCSRF":{}}},"tests":{},"webpushes":{"status":false},"offers":{"offersList":[]},"actions":{"updateMyRegCSRF":{},"uniteUsersCSRF":{}},"authorization":{"actions":{"checkPassCorrectCSRF":{},"otpinLoginCSRF":{},"loginCSRF":{},"attachSocnetCSRF":{},"socnetCSRF":{},"checkSocnetCSRF":{}}},"registration":{"actions":{"checkEmailAvailabilityGUJ":{},"verifyPhoneCSRF":{},"recoverPasswordCSRF":{},"registrationCSRF":{}}},"rebills":{"list":{},"actions":{"deletePaymentCardCSRF":{},"getRebillsGUJ":{}}}},"foundationUser":{"id":0,"login":"","BSK":[],"LKS":[],"is_staff":false,"isOfficeUser":false,"profile":{"has_folder_arts":false},"account":{"display":0,"real":0,"full":0,"bonus":0},"settings":{"profile_privacy":"default","is_safemode_enabled":null},"socials":[],"library_info":{"title":null,"logo":{},"host":null,"is_school_user":false},"abonement":{"id":null,"is_active":false,"price":null,"rebill_id":null,"valid_till":null,"grace_period_start":null,"gift_arts_refresh_at":null,"payment_system_id":null,"purchase_origin":null},"subscription":{"id":null,"grace_period_start":null,"rebill_id":null,"payment_system_id":null,"purchase_origin":null},"partner_subscriptions":{"has_active":false,"subscriptions":[]},"phone":{},"ab_tests":[],"isLoading":false,"error":{},"isAsking":false,"actions":{"teleport_CSRF":{}},"varioqubTests":{"ymabParam":"","flags":{},"testIds":[],"initialized":false,"initializingError":false},"loyalty":{"is_loyalty_user":false,"bonuses_info":null},"is_tester":false},"browser":{"screen":{"width":null,"height":null},"urlParams":{},"pda":false,"clientHost":"www.litres.ru","headers":{"client-host":"www.litres.ru","ui-currency":"RUB","Ui-Language-Code":"ru","x-request-id":"e0b241392f2b4c1233b31cf243c46074","Basket":"","Wishlist":""},"isRobot":true},"player":{"data":{"playerSettings":{"url":"","drm3key":"","isPlaying":false,"volume":0.5,"playbackRate":1,"muted":false,"isContentsOpen":false,"downloadForbidden":false,"readOnly":false,"isAnon":true,"isChapterLoading":false,"contentsData":[]},"currentTime":0,"playerData":{"error":null,"event":null,"isReady":false,"loadedTime":0,"duration":0,"totalDuration":0,"isHalf":false,"canBackward":false,"canForward":true,"stats":{"hits":0,"secondsListened":0}}},"notes":{"order":0}},"payment":null,"pages":{"personalCabinet":{"paymentsHistory":{"payments":{"paginator":{"page":0,"limit":0,"maxPageNumber":0,"items":0},"pages":[]},"actions":{"paymentsHistoryCSRF":{}}},"userLibraries":{"libraries":[],"actions":{"teleportCSRF":{},"unsubscribeCSRF":{},"uniteCSRF":{},"uniteCSRFV2":{},"getUserLibrariesCSRF":{}}},"loyaltyCards":{"list":[],"actions":{"changeLoyaltyCSRF":{},"getLoyaltyCardsCSRF":{}}},"spam":{"userChannels":[],"userLangs":[],"actions":{"updateChannelsCSRF":{},"getUserChannelsGUJ":{},"getUserLangsGUJ":{}}},"bonuses":{"bonusExpiration":[],"actions":{"getBonusExpirationGUJ":{}}}},"paymentReceipts":{"receipts":[],"actions":{"getPaymentReceipts":{}}}},"global":{"auth":{"activeStep":"authenticationByEmail","fallbackStep":"init","stepsHistory":[],"formData":{},"isRateLimitError":false},"header":{"auth":{"isAuthPopupVisible":false,"analyticsData":{}},"banners":{"subscr":{"isActive":false},"onlyLitres":{"isActive":false},"promotion":{"isActive":false},"audioSubscr":{"isActive":false},"tvCampaignBanner":{"isActive":false}}},"globalModals":{"visibilityState":"init"},"availableBonuses":{"list":{},"actions":{"getAvailableBonusesListGUJ":{}}},"login":{"authValues":{"code":"","email":"","pwd":"","phoneCode":{"id":"91","tel_codes":[{"tel_mask":"7 XXX XXX XX XX","tel_code":"7"}],"code":"RU","name":"Россия"},"phone":"","otpin":""},"activeStep":"welcome","strategy":"email","isBiblioLogin":false,"isOldUser":false,"isVerifyPhone":false,"isLoading":false,"loginFormat":"email","passRecovery":{"method":"email","isTimerActive":false},"prevSteps":["welcome"],"usersMerges":false,"isLoginReserved":false,"serverError":null},"search":{"query":"","searchResults":[],"history":[],"loading":false,"error":{},"isInitiated":false},"interface":{"loginPopupError":{"isOpen":false},"stickyPlayer":{"isOpen":false},"bookUpsalePopup":{"isOpen":false},"isPageWithPlayer":true,"checkoutBox":{"isOpen":false,"height":0},"helpdesk":{"isOpen":false},"spamTickets":{"isOpen":false,"isHtmlFetched":false},"paymentPopup":{"isOpen":false},"reviewComplainPopup":{"isOpen":false,"id":0},"forceScroll":{"scrollToReviewForm":false,"scrollToReviewId":0},"sharingPopup":{"reviewId":0,"userName":"","userId":0,"rating":0,"comment":"","date":"","hasAvatar":false,"isOpen":false,"isReply":false},"headerHeight":0},"lastViewedBooksWidget":{"arts":[],"isLoading":false,"error":null},"phonecodes":{"countriez":"","actions":{"getPhonecodes":{"isLoading":false}}},"onboarding":{"isOpen":false},"genres":{"popup":{"history":[],"currentGenre":null,"isOpen":false}},"arts":{"details":{"xmlProps":null},"reviews":{"list":[],"idMap":{},"sortType":"popular","pagination":{"next":null,"previous":null},"userReview":null,"lastGetRequestDate":"Wed Apr 30 2025 14:05:50 GMT+0000 (Coordinated Universal Time)","actions":{"getArtsReviews":{},"addArtsReview":{},"getUserArtsReviews":{},"addArtReviewLike":{},"removeArtReviewLike":{},"addArtReviewDislike":{},"removeArtReviewDislike":{},"addReviewReply":{}}}},"take":{"take":{"actions":{"takeBookCSRF":{}},"rating":[]}},"reviews":{"actions":{"addReviewComplain":{}},"activeReply":-1},"searchPage":{"query":""},"zeroSearchPage":{"recommendationBlocks":[],"loading":false,"error":{},"isListInitiated":false,"isInfoInitiated":false,"data":{"art_slider":{"data":[],"pagination":{"next_page":null,"previous_page":null},"loading":false},"person_list":{"data":[],"pagination":{"next_page":null,"previous_page":null},"loading":false},"series_list":{"data":[],"pagination":{"next_page":null,"previous_page":null},"loading":false},"tag_list":{"data":[],"pagination":{"next_page":null,"previous_page":null},"loading":false}}}},"face":{"language":"ru","host":null}}

Книги, похожие на «So werden Sie Ihre negativen Schufa-Einträge los!», Thomas Schmid