ZEK

Also called: Zentralstelle für Kreditinformation, central office for credit information

The ZEK (Zentralstelle für Kreditinformation) is a private non-profit association, founded in 1968, that works across Switzerland and Liechtenstein. Only its authorised members from the financial services sector can query its database.

It records requests for credit and the contracts that follow, leasing contracts, cards and card blocks, and official information such as bankruptcies, each for a set time.

What it means for your loan

A lender can look you up at the ZEK before it lends. You can order your own extract, free of charge, and it comes by post.

Explained in full

  • ZEK and IKO explained

    ZEK and IKO are the two Swiss credit databases lenders use. What each one records, how long entries stay and how to order your free extract.

More on this

Sources

  1. Über unsZEK Zentralstelle für Kreditinformation, read on
  2. Kredit- und LeasingnehmerZEK Zentralstelle für Kreditinformation, read on

All terms in the glossary

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