In other words:

You start with a good/perfect credit score and usually can only make your score worse by not paying bills due on time. Having had a past credit is not a requirement for a mortgage. On contrary, it might be even look bad if you bought furniture and other mundane things on credit.

Most Swiss will just silently shake their head in complete disbelief if you explain that in other countries you must build up a good credit score by taking out a credit and paying it back.

As simple glance on the tax statement where income and wealth is listed shows a much better picture. An as there is no chapter 7 or chapter 13 bankruptcy they have you on the hook for life anyway.

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"Whoa, careful now. These are dangerous streets for us upper-lower-middle-class types. So avoid eye contact, watch your pocketbook, and suspect everyone."