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Banks also earn a lot of money from lending to customers. As a rule, lending is also possible without any problems if the customers are creditworthy. Loan seekers can prove their creditworthiness by, among other things, their regular income and permanent employment. These are ideal conditions to get a loan. In addition, the banks are…

For many consumers, what Swiss credit is without Credit Bureau information is like a book with seven seals. There are many rumors and half-truths about the subject, so we decided to dedicate a contribution to Swiss credit without Credit Bureau information. Interested consumers can learn everything that is important on the subject. The Swiss loan…

What does creditworthiness mean? According to a general definition, creditworthiness means whether and how solvent a customer, a company or a state is. Those who are creditworthy will very likely meet their payment obligations reliably and in accordance with the contract. Credit institutions, companies, but also people who take a permanent economic risk (e.g. landlords)…

There are consumers who have received a payment order from the responsible central dunning court. If the debtor does not file an objection on time, the order for payment will be enforced. Then a creditor can enforce his claim. A payment order not only has an impact on the consumer’s Credit Bureau, the notification also…

Lending is an important business area for banks. If loan seekers are creditworthy, there are usually no problems with lending. Credit applicants demonstrate their creditworthiness through a permanent position with regular income and a clean Credit Bureau information. The banks place great value in particular on flawless Credit Bureau. If the Credit Bureau is negative,…

Today it is not uncommon for many households to be in debt. This is due to the constantly rising cost of living, energy costs and excessive gasoline prices. The end result is that one or the other household can no longer make ends meet despite regular income. This situation inevitably leads to over-indebtedness and negative…

Those who earn little for it are difficult to pay unexpected bills or purchases from the current financial budget. Earning little means saving. But saving in the traditional sense that something is put aside can be forgotten by a low earner. In order to maintain the standard of living to some extent, every cent is…