{"id":226,"date":"2020-12-07T20:13:40","date_gmt":"2020-12-07T19:13:40","guid":{"rendered":"https:\/\/gerne-kredit.de\/?page_id=226"},"modified":"2020-12-08T21:08:24","modified_gmt":"2020-12-08T20:08:24","slug":"schufafreierkredit","status":"publish","type":"page","link":"https:\/\/gerne-kredit.de\/index.php\/schufafreierkredit\/","title":{"rendered":"schufafreierkredit"},"content":{"rendered":"<h1>Kredite ohne Schufa &#8211; Auskunft oder auch &#8222;schufafreier Kredit&#8220;<\/h1>\n<p>Der &#8222;schufafreie Kredit&#8220; kann bei der Phoenix Finanz online beantragt werden.<\/p>\n<h2>Schufafreie Kredite<\/h2>\n<p>Bei dem Kredit ohne Schufa, der sogenannte\u00a0<strong>\u201eSchweizer Kredit\u201c<\/strong>, wird durch die Bank keine Schufaauskunft eingeholt. Auch entf\u00e4llt die Meldung der Bank \u00fcber die Kreditvergabe. <img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-222 size-thumbnail\" title=\"schufafreier Kredit\" src=\"https:\/\/gerne-kredit.de\/wp-content\/uploads\/2020\/04\/euro-163475_640-150x150.jpg\" alt=\"schufafreier Kredit\" width=\"150\" height=\"150\" srcset=\"https:\/\/gerne-kredit.de\/wp-content\/uploads\/2020\/04\/euro-163475_640-150x150.jpg 150w, https:\/\/gerne-kredit.de\/wp-content\/uploads\/2020\/04\/euro-163475_640-60x60.jpg 60w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/p>\n<p>Ein schufafreier Kredit kann n\u00f6tig werden, wenn bereits zu hohe bestehende Verbindlichkeiten bei Banken bestehen und man daher keine Kredite bekommt.<\/p>\n<p>Nutzen Sie unsere Kompetenz und das Phoenix Versprechen:<\/p>\n<div id=\"widgetcontainer_STRATP_cm4all_com_widgets_Photo_8749654\" class=\"cm_widget cm4all_com_widgets_Photo cm_widget_float_left cm-pixel-small\">\n<div class=\"cm_widget_anchor\"><\/div>\n<\/div>\n<ul>\n<li>Kostenlose Pr\u00fcfung Ihrer Kreditanfrage<\/li>\n<li>Diskrete Behandlung Ihrer Kreditanfrage<\/li>\n<li>TOP Beratung<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<div class=\"wpforms-container wpforms-container-full\" id=\"wpforms-225\"><form id=\"wpforms-form-225\" class=\"wpforms-validate wpforms-form\" data-formid=\"225\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/index.php\/wp-json\/wp\/v2\/pages\/226\" data-token=\"e2747517f8c6f6956b065e341b3d6afe\" data-token-time=\"1780174881\"><noscript class=\"wpforms-error-noscript\">Bitte aktiviere JavaScript in deinem Browser, um dieses Formular fertigzustellen.<\/noscript><div class=\"wpforms-field-container\"><div id=\"wpforms-225-field_10-container\" class=\"wpforms-field wpforms-field-number wpforms-one-half wpforms-first wpforms-o wpforms-firstne-third\" data-field-id=\"10\"><label class=\"wpforms-field-label\" for=\"wpforms-225-field_10\">Ihr Kreditwunsch<\/label><input type=\"number\" id=\"wpforms-225-field_10\" class=\"wpforms-field-large\" name=\"wpforms[fields][10]\" value=\"Betrag in Euro\" placeholder=\"Betrag in Euro\" step=\"any\" ><\/div><div id=\"wpforms-225-field_0-container\" class=\"wpforms-field wpforms-field-name\" data-field-id=\"0\"><label class=\"wpforms-field-label\">Name <span class=\"wpforms-required-label\">*<\/span><\/label><div class=\"wpforms-field-row wpforms-field-medium\"><div class=\"wpforms-field-row-block wpforms-first wpforms-one-half\"><input type=\"text\" id=\"wpforms-225-field_0\" class=\"wpforms-field-name-first wpforms-field-required\" name=\"wpforms[fields][0][first]\" required><label for=\"wpforms-225-field_0\" class=\"wpforms-field-sublabel after\">Vorname<\/label><\/div><div class=\"wpforms-field-row-block wpforms-one-half\"><input type=\"text\" id=\"wpforms-225-field_0-last\" class=\"wpforms-field-name-last wpforms-field-required\" name=\"wpforms[fields][0][last]\" required><label for=\"wpforms-225-field_0-last\" class=\"wpforms-field-sublabel after\">Nachname<\/label><\/div><\/div><\/div><div id=\"wpforms-225-field_9-container\" class=\"wpforms-field wpforms-field-name\" data-field-id=\"9\"><label class=\"wpforms-field-label\" for=\"wpforms-225-field_9\">Anschrift <span class=\"wpforms-required-label\">*<\/span><\/label><div class=\"wpforms-field-row wpforms-field-medium\"><div class=\"wpforms-field-row-block wpforms-first wpforms-one-half\"><input type=\"text\" id=\"wpforms-225-field_9\" class=\"wpforms-field-name-first wpforms-field-required\" name=\"wpforms[fields][9][first]\" value=\"Stra\u00dfe Hausnummer\" placeholder=\"Stra\u00dfe Hausnummer\" required><label for=\"wpforms-225-field_9\" class=\"wpforms-field-sublabel after wpforms-sublabel-hide\">Vorname<\/label><\/div><div class=\"wpforms-field-row-block wpforms-one-half\"><input type=\"text\" id=\"wpforms-225-field_9-last\" class=\"wpforms-field-name-last wpforms-field-required\" name=\"wpforms[fields][9][last]\" value=\"PLZ\/Ort\" placeholder=\"PLZ\/Ort\" required><label for=\"wpforms-225-field_9-last\" class=\"wpforms-field-sublabel after wpforms-sublabel-hide\">Nachname<\/label><\/div><\/div><\/div><div id=\"wpforms-225-field_8-container\" class=\"wpforms-field wpforms-field-name\" data-field-id=\"8\"><label class=\"wpforms-field-label\" for=\"wpforms-225-field_8\">Kommunikation <span class=\"wpforms-required-label\">*<\/span><\/label><div class=\"wpforms-field-row wpforms-field-medium\"><div class=\"wpforms-field-row-block wpforms-first wpforms-one-half\"><input type=\"text\" id=\"wpforms-225-field_8\" class=\"wpforms-field-name-first wpforms-field-required\" name=\"wpforms[fields][8][first]\" value=\"Emailadresse\" placeholder=\"Emailadresse\" required><label for=\"wpforms-225-field_8\" class=\"wpforms-field-sublabel after wpforms-sublabel-hide\">Vorname<\/label><\/div><div class=\"wpforms-field-row-block wpforms-one-half\"><input type=\"text\" id=\"wpforms-225-field_8-last\" class=\"wpforms-field-name-last wpforms-field-required\" name=\"wpforms[fields][8][last]\" value=\"Telefon\/Mobil\" placeholder=\"Telefon\/Mobil\" required><label for=\"wpforms-225-field_8-last\" class=\"wpforms-field-sublabel after wpforms-sublabel-hide\">Nachname<\/label><\/div><\/div><\/div><div id=\"wpforms-225-field_13-container\" class=\"wpforms-field wpforms-field-name\" data-field-id=\"13\"><label class=\"wpforms-field-label\" for=\"wpforms-225-field_13\">Geburtsdatum und Ort <span class=\"wpforms-required-label\">*<\/span><\/label><div class=\"wpforms-field-row wpforms-field-medium\"><div class=\"wpforms-field-row-block wpforms-first wpforms-one-half\"><input type=\"text\" id=\"wpforms-225-field_13\" class=\"wpforms-field-name-first wpforms-field-required\" name=\"wpforms[fields][13][first]\" value=\"01.01.1970\" placeholder=\"Geburtsdatum\" required><label for=\"wpforms-225-field_13\" class=\"wpforms-field-sublabel after wpforms-sublabel-hide\">Vorname<\/label><\/div><div class=\"wpforms-field-row-block wpforms-one-half\"><input type=\"text\" id=\"wpforms-225-field_13-last\" class=\"wpforms-field-name-last wpforms-field-required\" name=\"wpforms[fields][13][last]\" placeholder=\"Geburtsort\" required><label for=\"wpforms-225-field_13-last\" class=\"wpforms-field-sublabel after wpforms-sublabel-hide\">Nachname<\/label><\/div><\/div><\/div><div id=\"wpforms-225-field_16-container\" class=\"wpforms-field wpforms-field-select wpforms-field-select-style-classic\" data-field-id=\"16\"><label class=\"wpforms-field-label\" for=\"wpforms-225-field_16\">Familienstand <span class=\"wpforms-required-label\">*<\/span><\/label><select id=\"wpforms-225-field_16\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][16]\" required=\"required\"><option value=\"Ledig\"  class=\"choice-1 depth-1\"  >Ledig<\/option><option value=\"Verheiratet\"  class=\"choice-2 depth-1\"  >Verheiratet<\/option><option value=\"Verwitwet\"  class=\"choice-3 depth-1\"  >Verwitwet<\/option><option value=\"Geschieden\"  class=\"choice-4 depth-1\"  >Geschieden<\/option><option value=\"ehe\u00e4hnliche Lebensgemeinschaft\"  class=\"choice-5 depth-1\"  >ehe\u00e4hnliche Lebensgemeinschaft<\/option><option value=\"Getrennt lebend\"  class=\"choice-6 depth-1\"  >Getrennt lebend<\/option><\/select><\/div><div id=\"wpforms-225-field_19-container\" class=\"wpforms-field wpforms-field-select wpforms-field-select-style-classic\" data-field-id=\"19\"><label class=\"wpforms-field-label\" for=\"wpforms-225-field_19\">Anzahll der Kinder im Haushalt <span class=\"wpforms-required-label\">*<\/span><\/label><select id=\"wpforms-225-field_19\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][19]\" required=\"required\"><option value=\"0\"  class=\"choice-1 depth-1\"  >0<\/option><option value=\"1\"  class=\"choice-7 depth-1\"  >1<\/option><option value=\"2\"  class=\"choice-2 depth-1\"  >2<\/option><option value=\"3\"  class=\"choice-3 depth-1\"  >3<\/option><option value=\"4\"  class=\"choice-4 depth-1\"  >4<\/option><option value=\"5\"  class=\"choice-5 depth-1\"  >5<\/option><option value=\"mehr als 6\"  class=\"choice-6 depth-1\"  >mehr als 6<\/option><\/select><\/div><div id=\"wpforms-225-field_17-container\" class=\"wpforms-field wpforms-field-select wpforms-field-select-style-classic\" data-field-id=\"17\"><label class=\"wpforms-field-label\" for=\"wpforms-225-field_17\">Berufsgruppe<\/label><select id=\"wpforms-225-field_17\" class=\"wpforms-field-medium\" name=\"wpforms[fields][17]\"><option value=\"Arbeiter\"  class=\"choice-1 depth-1\"  >Arbeiter<\/option><option value=\"Angestellter\"  class=\"choice-2 depth-1\"  >Angestellter<\/option><option value=\"Rentner\"  class=\"choice-3 depth-1\"  >Rentner<\/option><option value=\"Pension\u00e4r\"  class=\"choice-4 depth-1\"  >Pension\u00e4r<\/option><option value=\"Beamter\"  class=\"choice-5 depth-1\"  >Beamter<\/option><option value=\"Arbeitslos\"  class=\"choice-6 depth-1\"  >Arbeitslos<\/option><option value=\"Selbstst\u00e4ndig\"  class=\"choice-7 depth-1\"  >Selbstst\u00e4ndig<\/option><\/select><\/div><div id=\"wpforms-225-field_12-container\" class=\"wpforms-field wpforms-field-name\" data-field-id=\"12\"><label class=\"wpforms-field-label\" for=\"wpforms-225-field_12\">Arbeitgeber <span class=\"wpforms-required-label\">*<\/span><\/label><div class=\"wpforms-field-row wpforms-field-medium\"><div class=\"wpforms-field-row-block wpforms-first wpforms-one-half\"><input type=\"text\" id=\"wpforms-225-field_12\" class=\"wpforms-field-name-first wpforms-field-required\" name=\"wpforms[fields][12][first]\" value=\"Arbeitgeber\" required><label for=\"wpforms-225-field_12\" class=\"wpforms-field-sublabel after wpforms-sublabel-hide\">Vorname<\/label><\/div><div class=\"wpforms-field-row-block wpforms-one-half\"><input type=\"text\" id=\"wpforms-225-field_12-last\" class=\"wpforms-field-name-last wpforms-field-required\" name=\"wpforms[fields][12][last]\" value=\"Arbeitgeber\" required><label for=\"wpforms-225-field_12-last\" class=\"wpforms-field-sublabel after wpforms-sublabel-hide\">Nachname<\/label><\/div><\/div><\/div><div id=\"wpforms-225-field_25-container\" class=\"wpforms-field wpforms-field-name\" data-field-id=\"25\"><label class=\"wpforms-field-label\" for=\"wpforms-225-field_25\">Arbeitgeber Anschrift <span class=\"wpforms-required-label\">*<\/span><\/label><div class=\"wpforms-field-row wpforms-field-medium\"><div class=\"wpforms-field-row-block wpforms-first wpforms-one-half\"><input type=\"text\" id=\"wpforms-225-field_25\" class=\"wpforms-field-name-first wpforms-field-required\" name=\"wpforms[fields][25][first]\" value=\"Stra\u00dfe und Hausnummer\" placeholder=\"Stra\u00dfe und Hausnummer\" required><label for=\"wpforms-225-field_25\" class=\"wpforms-field-sublabel after wpforms-sublabel-hide\">Vorname<\/label><\/div><div class=\"wpforms-field-row-block wpforms-one-half\"><input type=\"text\" id=\"wpforms-225-field_25-last\" class=\"wpforms-field-name-last wpforms-field-required\" name=\"wpforms[fields][25][last]\" value=\"PLZ und Ort\" placeholder=\"PLZ und Ort\" required><label for=\"wpforms-225-field_25-last\" class=\"wpforms-field-sublabel after wpforms-sublabel-hide\">Nachname<\/label><\/div><\/div><\/div><div id=\"wpforms-225-field_31-container\" class=\"wpforms-field wpforms-field-text\" data-field-id=\"31\"><label class=\"wpforms-field-label\" for=\"wpforms-225-field_31\">beim jetzigen Arbeitgeber seit <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-225-field_31\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][31]\" required><\/div><div id=\"wpforms-225-field_23-container\" class=\"wpforms-field wpforms-field-number\" data-field-id=\"23\"><label class=\"wpforms-field-label\" for=\"wpforms-225-field_23\">Rente oder Nettoinkommen in Euro <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"number\" id=\"wpforms-225-field_23\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][23]\" step=\"any\" required><\/div><div id=\"wpforms-225-field_26-container\" class=\"wpforms-field wpforms-field-text\" data-field-id=\"26\"><label class=\"wpforms-field-label\" for=\"wpforms-225-field_26\">Evtl. Nebeneinkommen in Euro<\/label><input type=\"text\" id=\"wpforms-225-field_26\" class=\"wpforms-field-medium\" name=\"wpforms[fields][26]\" ><\/div><div id=\"wpforms-225-field_29-container\" class=\"wpforms-field wpforms-field-checkbox\" data-field-id=\"29\"><label class=\"wpforms-field-label\">Wohnsituation <span class=\"wpforms-required-label\">*<\/span><\/label><ul id=\"wpforms-225-field_29\" class=\"wpforms-field-required\" data-choice-limit=\"1\"><li class=\"choice-1 depth-1 wpforms-selected\"><input type=\"checkbox\" id=\"wpforms-225-field_29_1\" data-rule-check-limit=\"true\" name=\"wpforms[fields][29][]\" value=\"Zur Miete\" required  checked='checked'><label class=\"wpforms-field-label-inline\" for=\"wpforms-225-field_29_1\">Zur Miete<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"checkbox\" id=\"wpforms-225-field_29_2\" data-rule-check-limit=\"true\" name=\"wpforms[fields][29][]\" value=\"bei den Eltern oder Kindern\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-225-field_29_2\">bei den Eltern oder Kindern<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"checkbox\" id=\"wpforms-225-field_29_3\" data-rule-check-limit=\"true\" name=\"wpforms[fields][29][]\" value=\"Wohneigentum \" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-225-field_29_3\">Wohneigentum<\/label><\/li><\/ul><\/div><div id=\"wpforms-225-field_28-container\" class=\"wpforms-field wpforms-field-text\" data-field-id=\"28\"><label class=\"wpforms-field-label\" for=\"wpforms-225-field_28\">Warmmiete oder monatliche Belastung in Euro <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-225-field_28\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][28]\" required><\/div><div id=\"wpforms-225-field_5-container\" class=\"wpforms-field wpforms-field-text wpforms-one-half wpforms-first\" data-field-id=\"5\"><label class=\"wpforms-field-label\" for=\"wpforms-225-field_5\">IBAN (wird zur Auszahlung Ihres Kredites ben\u00f6tigt) <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-225-field_5\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][5]\" value=\"DExx xxxx xxxx xxxx xxxx xx\" placeholder=\"DExx xxxx xxxx xxxx xxxx xx\" required><\/div><div id=\"wpforms-225-field_27-container\" class=\"wpforms-field wpforms-field-select wpforms-field-select-style-classic\" data-field-id=\"27\"><label class=\"wpforms-field-label\" for=\"wpforms-225-field_27\">Einzug der Kreditrate zum  <span class=\"wpforms-required-label\">*<\/span><\/label><select id=\"wpforms-225-field_27\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][27]\" required=\"required\"><option value=\"1.\"  selected='selected' class=\"choice-1 depth-1\"  >1.<\/option><option value=\"15.\"  class=\"choice-2 depth-1\"  >15.<\/option><option value=\"20.\"  class=\"choice-3 depth-1\"  >20.<\/option><option value=\"30.\"  class=\"choice-4 depth-1\"  >30.<\/option><\/select><\/div><div id=\"wpforms-225-field_30-container\" class=\"wpforms-field wpforms-field-checkbox\" data-field-id=\"30\"><ul id=\"wpforms-225-field_30\" class=\"wpforms-field-required\"><li class=\"choice-1 depth-1\"><input type=\"checkbox\" id=\"wpforms-225-field_30_1\" name=\"wpforms[fields][30][]\" value=\"Der Verarbeitung, Speicherung und Nutzung meiner pers\u00f6nlichen Daten zum Zweck der Antragsbearbeitung stimme ich zu. Mit den Inhalten sowie Hinweisen zu Datenschutz, Datenverarbeitung, der Schufaklausel und zur neutralen Konditionsanfrage bin ich einverstanden.\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-225-field_30_1\">Der Verarbeitung, Speicherung und Nutzung meiner pers\u00f6nlichen Daten zum Zweck der Antragsbearbeitung stimme ich zu. Mit den Inhalten sowie Hinweisen zu Datenschutz, Datenverarbeitung, der Schufaklausel und zur neutralen Konditionsanfrage bin ich einverstanden.<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"checkbox\" id=\"wpforms-225-field_30_2\" name=\"wpforms[fields][30][]\" value=\"Ich bin einverstanden, weitere aktuelle Angebote zu den Themen Geld, Finanzen und Versicherungen von Phoenix Finanz und unseren Partnern per Post, E-Mail oder telefonisch zu erhalten. Ich stimme zu, das Sie meine Kontaktdaten an die von mir ausgew\u00e4hlten Kooperationspartnern weitergeben. Diese Zustimmung kann ich jederzeit formlos widerrufen.\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-225-field_30_2\">Ich bin einverstanden, weitere aktuelle Angebote zu den Themen Geld, Finanzen und Versicherungen von Phoenix Finanz und unseren Partnern per Post, E-Mail oder telefonisch zu erhalten. Ich stimme zu, das Sie meine Kontaktdaten an die von mir ausgew\u00e4hlten Kooperationspartnern weitergeben. Diese Zustimmung kann ich jederzeit formlos widerrufen.<\/label><\/li><\/ul><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-field wpforms-field-hp\"><label for=\"wpforms-225-field-hp\" class=\"wpforms-field-label\">Email<\/label><input type=\"text\" name=\"wpforms[hp]\" id=\"wpforms-225-field-hp\" class=\"wpforms-field-medium\"><\/div><div class=\"wpforms-recaptcha-container wpforms-is-recaptcha wpforms-is-recaptcha-type-v2\" ><div class=\"g-recaptcha\" data-sitekey=\"6LdIpb0UAAAAACKaaGV_gp8bzZnphwO0zlz8Vn6I\"><\/div><input type=\"text\" name=\"g-recaptcha-hidden\" class=\"wpforms-recaptcha-hidden\" style=\"position:absolute!important;clip:rect(0,0,0,0)!important;height:1px!important;width:1px!important;border:0!important;overflow:hidden!important;padding:0!important;margin:0!important;\" data-rule-recaptcha=\"1\"><\/div><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"225\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/gerne-kredit.de\/index.php\/wp-json\/wp\/v2\/pages\/226\"><input type=\"hidden\" name=\"url_referer\" value=\"\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-225\" class=\"wpforms-submit\" data-alt-text=\"Ihre Angaben werden zur \u00dcberpr\u00fcfung \u00fcbermittelt.\" data-submit-text=\"Anfrage absenden\" aria-live=\"assertive\" value=\"wpforms-submit\">Anfrage absenden<\/button><\/div><\/form><\/div>  <!-- .wpforms-container -->\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kredite ohne Schufa &#8211; Auskunft oder auch &#8222;schufafreier Kredit&#8220; Der &#8222;schufafreie Kredit&#8220; kann bei der Phoenix Finanz online beantragt werden. Schufafreie Kredite Bei dem Kredit ohne Schufa, der sogenannte\u00a0\u201eSchweizer Kredit\u201c, wird durch die Bank keine Schufaauskunft eingeholt. Auch entf\u00e4llt die Meldung der Bank \u00fcber die Kreditvergabe. Ein schufafreier Kredit kann n\u00f6tig werden, wenn bereits zu [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-226","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>schufafreierkredit - Gerne Kredit<\/title>\n<meta name=\"description\" content=\"Beantragen Sie Ihren schufafreien Kredit. 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