Clear your history with a good debt management.

Do you have a bad credit history? Can you clear your record in Switzerland? Pay all your debts now and maintain a good credit scoring thanks to our solution!
Online request non-binding offer
Loan history
  1. HOME
  2. Private
  3. Loan
  4. Debt consolidation
  5. Credit repair
  6. Credit history

Would you like to clear your credit history? In Switzerland, every loan request, repayment problems and debts are recorded in a loan central called “ZEK”. In order to clean your credit history, you will have to avoid bad entries in the ZEK. How can you do that?


The ZEK is an association for the management of credit information. It has files on credit information from credit activities of individuals.

What is in your credit history?

In Switzerland, the ZEK records every issues related to individual loans and credit cards. Your credit history will contain:

How can you clear your history?

In Switzerland, such things are very restricted and it is very hard to clear your record. The best thing to do in order to try to clear your credit history, is to avoid any bad record in the ZEK for several years.

Debt consolidation: the solution?

By regrouping all your debts into one new loan with a lower interest rate, you will be able to repay all your financial commitments! You can thus avoid the risks of late repayments and bad credit history! Do not hesitate to contact us to repay your debts! Save a lot of time and money thanks to a better interest rate and one single payment.

Apply now!

Would you like to know more about how to get a better credit history? We are debt consolidation experts and we can advise you with any problems that you have! Request a free and non binding analysis of your financial situation and we will find a great deal for you!

Online request

Any question? Contact-us!

Our team is always to your disposal to give you further information.

026 323 11 30 076 412 37 89

Our guide for expats

Expat in Switzerland Residence permits Living in Switzerland

Individual services

Loan Mortgage Other solutions

Our address

Cashflex Sàrl
Rue de la Banque 4
CP 265 - 1700 Fribourg

© Cashflex Sàrl

Lending a loan is forbidden if it leads to over-indebtedness of the consumer (Art, 3 of Swiss LCD). Calculation example: a 10,000 Chf loan with an interest rate of 5.90% to 9.90% gives a total cost for 12 months of 313 to 520 Chf