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Old 12.04.2008, 13:23
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credit history

Hello - I hope someone can help answer this question for my friend who will be returning to Switzerland next year.

He left Switzerland late 2001 and left behind debts in Nyon (taxes, a loan, some cc). He is dual national Swiss/British. He now wants to return but doesn't know how to check his credit record or whether he will be arrested at the border! Does anyone know how long your credit record is kept for? Would they be able to match up the records if he comes back (to a job) using his British nationality? Could he make arrangements to pay things off - he no longer knows what he owes or where.

I don't necessarily agree with what he may choose to do but promised to ask the questions for him.
thank you!
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Old 12.04.2008, 13:35
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Re: credit history

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Hello - I hope someone can help answer this question for my friend who will be returning to Switzerland next year.

He left Switzerland late 2001 and left behind debts in Nyon (taxes, a loan, some cc). He is dual national Swiss/British. He now wants to return but doesn't know how to check his credit record or whether he will be arrested at the border! Does anyone know how long your credit record is kept for?
The record never extinguishes. Debit interest and fees keep adding up. He ought to know that if he's Swiss.

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Would they be able to match up the records if he comes back (to a job) using his British nationality?
I'm sure they'd never figure out such a cunning trick...


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Could he make arrangements to pay things off - he no longer knows what he owes or where.
Most likely the creditors will be quite ****ed off and will haul him to court before he could even utter "payment in installments" or "parlay".

Last edited by Shorrick Mk2; 12.04.2008 at 14:09. Reason: creditors, duh
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Old 12.04.2008, 13:53
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Re: credit history

thanks Shorrick Mk2.
He was told that taxes are wiped out if they haven't found you in 5 years. And someone else had said that your history is closed after 10 years. Seems to be lots of conflicting info around.
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Old 12.04.2008, 14:07
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Re: credit history

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thanks Shorrick Mk2.
He was told that taxes are wiped out if they haven't found you in 5 years.
I very much doubt that.

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And someone else had said that your history is closed after 10 years. Seems to be lots of conflicting info around.
No it is not. Settled recovery injunctions (aka poursuite / betreibung) fall off your "public" record after five years - however some authorities will always see them. Unsettled recovery injunctions stay open on your record for as long as it takes, unless the creditor notifies the authorities otherwise (unlikely). With open history it is nigh impossible to rent appartments - not to mention the other inconveniences.
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Old 12.04.2008, 14:14
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Re: credit history

OK. Thanks again. I'm surprised, as the Swiss admin is pretty persistent, that they didn't find him in the UK!
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Old 12.04.2008, 14:30
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Re: credit history

I left Switzerland in 2004 with a few bills from Nyon because
I never received them. Later I returned to Switzerland to
Kanton Zürich, when I received my credit history( Betreibungsauszug ),
there was nothing on there at all.

Perhaps switching Kantons would help your friend!?!
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Old 12.04.2008, 14:34
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Re: credit history

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I left Switzerland in 2004 with a few bills from Nyon because
I never received them. Later I returned to Switzerland to
Kanton Zürich, when I received my credit history( Betreibungsauszug ),
there was nothing on there at all.

Perhaps switching Kantons would help your friend!?!
Note that the betreibungsauszug will be indeed blank if the creditor hasn't started the procedure... so don't just assume your changing cantons has saved you.

While for one hundred francs worth of bill a creditor will probably not bother, you can be sure that tax authorities and loan issuers are not that conciliating.
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Old 12.04.2008, 14:36
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Re: credit history

Try $3300 from the credit card company, and I have
been back in Switzerland for 3 years.
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Old 12.04.2008, 14:41
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Re: credit history

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Try $3300 from the credit card company, and I have
been back in Switzerland for 3 years.
Well if I were you I wouldn't consider myself home free...
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Old 12.04.2008, 14:55
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Re: credit history

There is no checking at the frontiers for civil liabilities.

An unpaid debt record is kept at the cantonal/communal level. It contains the names of those who are being chased by lenders. That may lapse after 5 years.

However, the credit card issuers and the debt collecting agencies have their own proprietary database. They are under no obligation to delete their records. Hence, unpaid credit card debts would affect future credit worthiness.
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Old 12.04.2008, 15:29
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Re: credit history

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I left Switzerland in 2004 with a few bills from Nyon because
I never received them. Later I returned to Switzerland to
Kanton Zürich, when I received my credit history( Betreibungsauszug ),
there was nothing on there at all.

Perhaps switching Kantons would help your friend!?!
Your betreibungregisterauszug does not follow you from Gemeinde to Gemeinde
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Old 12.04.2008, 16:00
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Re: credit history

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Your betreibungregisterauszug does not follow you from Gemeinde to Gemeinde
True, however as the numbering system is swiss-wide, it allows banks, credit agencies and the government to search your records regardless of your domicile...
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