Extract from the debt collection register or a CreditTrust certificate

Place a digital order in just a few minutes

tilbago CredRep is a full service for private individuals that allows you to obtain extracts from the debt collection register with a digital signature, or alternatively digital CreditTrust certificates. Real estate and loan portals, or even software solution providers, can easily integrate this service into their customer journey. tilbago CredRep was created in close cooperation with the PFLab. They worked together on the idea behind the service, and developed it into the finished product.

The benefits of digital creditworthiness certificates using CredRep

  • You can choose between a digital extract from the debt collection register and a digital CreditTrust certificate

  • You can order online 24/7, and with no need to see the relevant authority in person

  • You‘ll receive the digital extract quicker than its physical counterpart

  • You can reuse it multiple times, and there is no need for certified copies

  • The digital signature means it is forgery-proof

Order an extract or certificate now

Do you require a digital extract from the debt collection register or a CreditTrust certificate for your new job, home or a loan? In that case, select the yellow button and order a digital extract from the debt collection register or the CreditTrust certificate through CredRep. It only takes about five minutes to order either item, and there are only a few steps involved:

  1. Enter address
  2. Upload photo of ID or passport
  3. sign electronically

Generally speaking, you will receive digital extracts from the debt collection register by e-mail in PDF format within one to two days, and you will receive a digital version of the CreditTrust certificate by e-mail within 15 minutes.

Prices

  • Extract from the debt collection register: CHF 27.50
  • CreditTrust certificate: CHF 25.50

FAQs

  • An extract from the debt collection register can be ordered through CredRep by private individuals for their own information. It is not possible to obtain third-party information or information about legal entities through CredRep.
  • It takes five minutes to place an order through CredRep, and the digital extract from the debt collection register will generally be delivered by mail in digitally signed format within one to two working days.
  • A CreditTrust certificate can be issued for private individuals for their own information provided that there is no negative creditworthiness information about them.
  • It takes five minutes to place an order through CredRep, and the CreditTrust certificate will generally be delivered by mail in digital format within 15 minutes.
  • You must upload an official identification document in step 2 of the order process. The following formats are accepted:

    • Identity card
    • Valid foreigners’ residence permit for Switzerland or the Principality of Liechtenstein
    • Swiss passport

    In step 3, you must enter an electronic signature in the signature field provided. This can be done using a pen/finger on the touchpad or with the mouse. We reserve the right to make changes.

  • The payment process is managed by PostFinance. All the usual payment options are available such as TWINT, credit card or PostFinance Card (subject to change). You can select the payment method during the relevant step of the payment process.
  • tilbago complies with the current legislation, especially regarding data protection law, to ensure the protection of personal data using suitable technical and organizational measures. Details and up-to-date information on the subject can be found in sections 8 and 9 of the current GTC (see order process).

The product and story behind it all

tilbago harnesses a number of synergies Indeed, the core components such as the interface for electronic data exchange with the debt collection offices and the idea behind allocating addresses to debt collection offices were already in place in tilbago’s robo payment collection solution. Much like the existing payment collection solution, the new full service for extracts from the debt collection register is also fully digitized: whether you’re ordering an extract from the debt collection register, making a payment or sending documents, everything is done online. There is no media disruption, above all because the digitally signed extract is also delivered electronically. This means business customers and private customers can save themselves time and benefit from tilbago managing and monitoring the entire process, right up until the documents are delivered successfully, so that there are no nasty surprises.

Thanks to the integration of the CreditTrust certificate, private customers can either opt for an extract from the debt collection register or the CreditTrust certificate. The CreditTrust certificate is a private sector offer. The advantage of the certificate over the extract is the fact that the content of the CreditTrust certificate is not limited to the register of an individual office, but contains all the information available throughout Switzerland. Additionally, it is also delivered right away on Sundays and public holidays. Acceptance of CreditTrust certificates is growing, but there are still some recipients who require a digital extract from the debt collection register. This is why it is advisable to check with the relevant authority which creditworthiness documentation you should submit.

This might interest you too