11.07.2023
Everything you need to know about the ZEK
The world of credit includes a series of acronyms relating to processes, laws, partners, etc. One of the most important is ZEK. It is a central credit information system. Without positive data related to your profile, granting credit becomes impossible.
06.02.2023
I buy now and pay later. Good deal or not?
A new method of deferred payment is winning over young consumers. Simple in its approach, this trendy model is nevertheless risky and even irresponsible.
01.11.2022
Over-indebtedness; This is a cause for concern, but there are solutions!
An accumulation of personal debts leading to over-indebtedness can quickly become a vicious circle, but there are simple steps you can take to get out of it.
01.11.2021
Your credit application and the impact of the ZEK
When your loan application is analysed, the ZEK Credit Information Centre plays a decisive role in its acceptance. Let us explain.
17.10.2021
Everything you need to know about ZEK
As Switzerland's central credit information agency, ZEK is now a key player in the credit landscape. We explain why and how it affects you.
28.01.2020
Debt collection and credit in Switzerland
Debt collection and credit in Switzerland: Learn the key factors to manage your financial obligations.
11.10.2019
Différences between the debt collection office, the ZEK and the Crif
Discover the differences between the Debt Collection Office, the ZEK, and the CRIF in Switzerland.
21.08.2019
Everything you need to know about prosecutions in Switzerland
Everything you need to know about prosecutions in Switzerland and how to navigate the legal process.
04.04.2019
How do i know if i'm on file and how can i fix it ?
Learn how to check if you're on file and what steps you can take to correct it in Switzerland.
25.09.2018
The influence of zek codes on your credit applications
Understand the impact of ZEK codes on your credit applications and how to optimize your chances.Loan illustration: loan of CHF 10'000. Effective annual interests rates between 4.9% and 10.95% over a 12 month period lead to total interests of between CHF 261.80 and CHF 615.20. Duration: 6-120 months; Maximum annual interest rate (including all loan handling costs) 10.95%. Loans approval are prohibited if they lead to excess debt for the consumer. (Art. 3 LCD)