Credit rating correction in Switzerland: How to finally get rid of outdated entries - with the help of credxperts.chWritten by:

Last updated on 25.07.2025 credxperts Uncategorised

Nadine Frei, business expert in creditworthiness management and budget for credxperts.ch

Why you often don't get a chance despite having paid your debts

You've paid your bills, your account is balanced, you're financially stable - and yet you're still getting rejections? No subscription mobile phone, no flat, no chance of a leasing contract? Then in most cases it's not because of your account balance - but because of your credit rating.

In this comprehensive guide, we explain:

what creditworthiness means and who checks it,
how incorrect or old entries can block you,
how a credit rating adjustment works,
what role credxperts.ch plays in this,
what costs may arise,
and how to get started right away.

What is creditworthiness and why is it so important?

Creditworthiness stands for your Solvency and payment reliability.

Banks, online retailers, telecoms providers, landlords, insurance companies and leasing companies access your creditworthiness data. They want to know: Can this person fulfil their obligations?

The data comes from the following sources:

Data source	Contents	Duration of storage
ZEK (Central Office for Credit Information)	Loans, leasing agreements, payment defaults	up to 5 years after completion
CRIF	Address and creditworthiness data, debt collection data	3 years after completion
Debt collection office	Payment orders, certificates of loss	5 years after payment or completion
Debt collection databases (e.g. Intrum)	Disclosures, reminders, payment targets	Varies, often 3-5 years

Important: Even completed cases are often stored for longer than justified.

How outdated entries affect your everyday life

Even the smallest amounts paid long ago can cause you enormous hurdles in everyday life:

House hunting: Landlords will turn you down if you have an entry in the debt collection register.
Online shopping: Shops such as Digitec, Galaxus and Zalando refuse to accept purchases on account.
Mobile phone contract: A mobile phone subscription with Salt, Sunrise or Swisscom is refused.
Credit or leasing: Banks automatically categorise you as a risk.

Practical example:

"I missed a fine once in 2019, paid it - but CRIF showed the entry until 2024. No mobile phone, no flat. It only worked out again when I cancelled it via credxperts.ch."

How the credit rating adjustment works with credxperts.ch

We take a systematic approach - transparent, legally sound and with personalised support:

Free examination: You submit your documents or provide insight into your creditworthiness data.
Analysis & Strategy: We identify incorrect, expired or completed entries.
Contact with data holders: We take care of correspondence with CRIF, ZEK, debt collection offices, debt collection agencies, etc.
Cancellation request & tracking: We will stand up for your rights and keep at it until you have certainty.

What does a credit rating adjustment cost?

The initial test at credxperts.ch is free of charge.

For the processing we charge - depending on the effort - a Flat success fee. This amounts to CHF 399 excl. See here: https://www.credxperts.ch/bonitaetsbereinigung/

Transparency is important to us. You will receive in advance:

an assessment of the opportunities,
and insight into the processing status at any time.

Chapter 5: When is a clean-up particularly worthwhile?

Situation	Typical symptoms	Does clean-up make sense?
Subscription mobile phone rejected	Sunrise, Salt refuse contract	✅ Yes
Flat search fails	Multiple cancellations after viewing a flat	✅ Yes
Online shops refuse to invoice	Galaxus, Brack, Zalando decline	✅ Yes
Loan cancellation despite income	CRIF score too low	✅ Yes
Leasing contracts burst	Entry with ZEK available	✅ Yes

Your advantages of a credit rating adjustment with credxperts.ch

Experienced credit rating expert:inside with a focus on Swiss registers
Legally compliant communication with credit agencies & authorities
Transparent process & fair prices
Personalised advice by phone, e-mail or video
Fast resultsoften within a few weeks

The process - step by step

Fill in the online form (1 minute, here to the form)
Upload documents & information (optional)
Receive initial assessment (within 48 hours)
Confirm processing contract (after your okay)
Processing by credxperts.ch starts
Feedback after each step (fully transparent)
Receive cancellation confirmation or correction
Check new credit rating file - and get off to a fresh start!

20 frequently asked questions about credit rating adjustment

1. how long does the clean-up take?
The processing time is usually between 3 and 6 weeks - depending on the response of the jobs.

2. which documents do I need?
Credit reports from CRIF, ZEK or your debt enforcement office. We will help you request it.

3. is the test really free of charge?
Yes, only when you decide in favour of processing do costs arise - transparent and success-based.

4. can all entries be deleted?
Not always - but many. For example, in the event of a statute of limitations, unclear legal situation or incorrect recording.

5 Which data do we check exactly?
CRIF, ZEK, debt collection register, Intrum, EOS and other debt collection databases.

6 What if my entry is correct but completed?
Even then, we will check the possibility of premature cancellation or correction.

7 What does the entire clean-up cost?
That depends on the scope. On average between 200 and 500 CHF - only if successful.

8. do I have to write letters to the authorities myself?
No. We take care of all the legal correspondence for you.

9. can I order online again after the clean-up?
In many cases: Yes. CRIF and debt collection entries in particular prevent invoice purchases.

10. is there a guarantee of cancellation?
Unfortunately not - but over 70 % of our cases lead to improvement.

11. do banks still see the entries after deletion?
No. After deletion, the information may not be passed on or saved.

12. how often can I apply for an adjustment?
As often as necessary - especially after repayments or disputes.

13 What time limits apply to limitation periods?
Depending on the type: 5 years (collection), 10 years (loss certificate), immediately in the event of errors.

14. can I also have data corrected?
Yes, incorrect information on address, status or payment behaviour can be adjusted.

15. can entries exist at several locations?
Yes, we check all relevant registers in parallel.

16 What are the benefits of self-disclosure?
Transparency. And it's often the first step towards a clean-up.

17. will my credit rating improve immediately?
After cancellation or correction: Yes. Particularly relevant for CRIF scores.

18 What if a body does not respond?
We set deadlines and provide legal support if necessary.

19 What if I don't want to communicate online?
We also offer telephone and postal communication.

20 What happens after the clean-up?
You will receive an updated credit file - and more options again.

It pays to clean up your credit rating - and you're not alone

Many people in Switzerland struggle with old entries - even though they have long since sorted everything out. Creditworthiness is often the invisible door opener (or doorman) of everyday life.

With credxperts.ch, you have an experienced partner at your side. We get the best out of it for you - step by step.

Start a free credit check now at credxperts.ch.