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.