The influence of ZEK codes on your credit requests
As we explained to you in our last article: Everything you need to know about the ZEK, everyone has a file registered in this organization, the central credit office.
ZEK (Credit Information Center) is a Swiss organization that records and stores all credit requests. When you apply for a loan from an organization, one of the first steps before granting you a loan will be to check the status of your account at ZEK.
This is to avoid making your situation worse if you are in possession of negative codes. Indeed, if you want to apply for a credit but you have negative codes like several recent refusals or a lagging payment code, banks are very likely to refuse your request.
Can I know the status of my file?
You can consult your file for free by going to the ZEK website and filling out their online form. It is sometimes difficult to clearly understand the document received, but you can send it to us and we will “translate” it for you. It is difficult to get a code removed that would prevent you from applying for a loan. However, you can change it if you know how to do it.
The code is questionable only if an error has been made by a bank. In this case, you can contact a service provider such as the Solvency department of Lite Lending who can help you with your procedures.
The joint work of our two departments, credit and solvency, allow us to direct you as well as possible and put the odds on your side for the acceptance of your personal loan.
How to put all the chances on his side to obtain a personal loan?
First, Solvable analyzes, cleans up and modifies positively the information in your various credit registers. Secondly, once your data has been cleaned, Lite Lending directs you to the bank that best suits your needs, which will avoid unpleasant surprises like other refusals at the ZEK.
At Lite Lending we have the widest range of conditions on the market:
- An interest rate from 4%
- Amounts ranging from USD 3,000 to USD 400,000
- Flexible repayment duration of up to 120 months
- Non-binding insurance with our partner Helvetia Income Protect.
- The repayment of your credit is free, you only have the minimum monthly payment but you can repay faster if you wish.