The powerful alternative to an extract of the debt enforcement register.
Forgery-proof thanks to blockchain technology.
Free of charge for points of acceptance.
CreditTrust has established itself as the creditworthiness certificate for private individuals in Switzerland by virtue of the two leading credit agencies: Nationally verified, digitally available and forgery-proof. CreditTrust is more informative, more readily available and more secure than a debt enforcement extract.
Leading companies put their trust in CreditTrust
Reduce your administrative workload and speed up the re-letting process
Free of charge for administrations
Switzerland-wide credit rating check
From the leading credit agencies in Switzerland: Intrum and CRIF for a credit scoring check at the highest level
Forgery-proof thanks to blockchain technology
Authenticity of the certificate can be verified at any time
Ready to go, immediately
Leading Swiss advertising portals and various PropTech companies offer CreditTrust as an integrated credit check
Maximise your security with a double credit risk check
Simple integration into your existing KYC processes
Switzerland-wide credit rating check
From the leading credit agencies in Switzerland: Intrum and CRIF for a credit check at the highest level
Forgery-proof thanks to blockchain technology
Authenticity of the certificate can be verified at any time
Ready to go, immediately
Modern REST-API for a direct link to the application process
Request the CreditTrust certificate as a certificate of good repute from your applicants
More reliable and informative than an extract from the debt enforcement register (Betreibungsauszug)
Switzerland-wide credit rating check
From the leading credit agencies in Switzerland: Intrum and CRIF for a credit check at the highest level
Forgery-proof thanks to blockchain technology
Authenticity of the certificate can be verified at any time
Ready to go, immediately
Ask your applicants for a CreditTrust certificate instead of an extract from the debt enforcement register
The extract from the debt enforcement register is no longer up to date
Today, debt enforcement information on private individuals is only of limited value: it only contains debt enforcement proceedings that have been carried out in the debt enforcement district of the debt enforcement office in question, of which there are around 500 nationwide.
Complicated
Companies want to make a decision quickly, securely and in a process-integrated manner. An extract from the debt enforcement register no longer fulfils these requirements these days.
Slowly
An extract from the debt enforcement register causes unnecessary waiting times by passing around, collecting and sending paper documents.
Risk of default
An extract from the debt enforcement register only contains data from one of over 500 autonomous debt enforcement offices, which do not exchange data with each other. A debt enforcement extract is insufficient, especially for people who frequently change their place of residence, and does not protect companies against non-payment.
Vulnerable to counterfeiting
One in seven Swiss people "cheat" when applying for a flat, but checking the debt enforcement extract is labour-intensive and time-consuming.
Ein Trick für eine weisse Weste
Ungeduld lässt einen Zuger Mann eine Urkunde fälschen
38 Betreibungen in fünf Jahren: Für Wohnungssuche fälschte er den Auszug – mit Folgen
Betreibungsauszüge gefälscht und keine Miete bezahlt
CreditTrust is more than the digital alternative to an extract from the debt enforcement register
CreditTrust determines the customer's creditworthiness based on the two national creditworthiness databases of CRIF and Intrum with daily updated data on address and credit information. The person retains their creditworthiness information even if they move or change their name, e.g. through marriage.
National database
The double national credit check by CRIF and Intrum enables a reliable credit check at the highest level.
Digital & secure
Forgery-proof creditworthiness certificate secured by blockchain technology. Authenticity of a CreditTrust certificate can be authenticated at any time
Free of charge for businesses
Ask your applicants for a CreditTrust certificate and benefit from a free credit check
The Swiss economy trusts our creditworthiness data
In +80 million cases per year, Swiss companies in the property sector, financial industry, e-commerce, public sector, etc. trust the creditworthiness data from CRIF and Intrum.
How easy it is to become an point of acceptance
Get in touch
Contact us for a non-binding discussion. We look forward to introducing CreditTrust to you.
Discuss use
We will show you how CreditTrust simplifies your credit check and which connection is the right one for your company.
Accept CreditTrust
Digitise your risk assessment thanks to CreditTrust and inform your applicants that you now accept CreditTrust.
Take a step to the future, together with CreditTrust
«With CreditTrust, going to the debt collection office is a thing of the past. This makes the application process easier and faster for our tenants. We also gain security thanks to CreditTrust's forgery protection and national database.»
Oliver Mötteli, Managing Director, OMIT Bewirtschaftung AG
«CreditTrust is a genuine digital innovation. Tenants can apply for a flat completely digitally with just a few clicks instead of waiting several days for a debt enforcement extract. In addition, administrations gain security, as every CreditTrust certificate is anchored on the blockchain in a forgery-proof manner.»
Pascal Stutz, CEO, SVIT Zürich
«With the digital CreditTrust certificate, we make credit checks easier for property managers who use our melon.rent software solution. Digital and efficient re-letting is essential, especially for a large number of properties. As an integral part of our PropTech solution, we see every day that property managers and administrators who accept CreditTrust re-let their rental properties more efficiently and quickly.»
Daniel Baur, CEO & Co-Founder, emonitor AG
«As Switzerland's leading property portal, we want to help prospective tenants find a new home quickly and easily. A core element of this is the credit check. CreditTrust is the best choice here: ordered digitally within a few minutes for a faster flat approval. Flat advertisers also benefit from this. Whether private landlords or nationwide property management companies, we can see that CreditTrust enjoys a high level of acceptance in the market.»
Manuel Martínez, Head of Sales, newhome.ch AG
FAQs
Why should you use CreditTrust for your risk assessment?
There is no comparable creditworthiness certificate in Switzerland with such a high level of validity as CreditTrust, thanks to simultaneous queries of the Intrum and CRIF databases. CreditTrust allows the credit assessment process step to be mapped completely digitally and is free of charge for companies.
How can you integrate CreditTrust into your systems?
The integration of CreditTrust is completely customised to your needs. From a simple QR code to interface integration, everything is possible. Please contact us at support@credittrust.ch!
What does it cost to accept CreditTrust certificates?
Becoming a CreditTrust point of acceptance is free of charge. The costs for issuing the certificate are borne by each customer.
Credit rating check at the highest level
CRIF and Intrum are the two leading credit scoring agencies in Switzerland. Both companies independently operate a national database of creditworthiness information on private individuals in Switzerland. The idea of jointly issuing a creditworthiness certificate was born in 2018 with the aim of offering a digital alternative to the extract from the debt enforcement register.
Instead of having to go to the municipal administration to collect a debt enforcement extract, there should be a simple and practical solution that allows you to prove your good creditworthiness to third parties. Thanks to the digital ordering process with integrated ID check, it is possible to order a CreditTrust certificate quickly and independently of time and place.
It also quickly became clear that the informative value of an extract from the debt enforcement register is no longer up to date due to the limited database of each individual debt enforcement office. The risk of default by property managers due to inadequate or manipulated debt enforcement information should no longer exist. Certifaction, as a third cooperation partner, uses the Ethereum blockchain to guarantee the authenticity of the CreditTrust certificate and makes it forgery-proof and authenticatable.
This is how CreditTrust was created and has been a success story ever since.
CreditTrust is a genuine digital innovation. Its simplicity, digital ordering process and broad acceptance make CreditTrust an absolute must-have for every housing application, loan or leasing enquiry and job dossier. And thanks to blockchain technology, authenticity can be authenticated with a single click. A real win-win situation for the issuer and recipient of the certificate.
Benoît Henry, CEO, Co-Founder Certifaction AG
CreditTrust is much more informative and reliable than any extract from the debt enforcement register because it takes into account debt collection proceedings, debt enforcement, loss certificates and bankruptcies throughout Switzerland. CreditTrust is based on the vast majority of debt collection data processed in Switzerland.
Maximilian Schroeter, Head of Personal Solutions CRIF AG
It has never been so easy to obtain meaningful information about your creditworthiness that has been checked several times throughout Switzerland. Convenience and user-friendliness play a major role here. With the automated identification process, which is also already used by over 130 banks in Switzerland, we utilise state-of-the-art technology to create a CreditTrust certificate.
Martin Honegger, Commercial & Sales Director Intrum AG
CONTACT US
Do you have any questions or are you interested in CreditTrust?
Our team will be happy to help you.