Credit Report

A credit report is a statement which summarizes the credit history of a person or other entity so as to provide lenders with a clear understanding of the person’s creditworthiness.

Credit reports are normally provided to lenders by credit bureaus. In Switzerland, credit reports are provided by municipal debt collection offices and summarize the information about an individual which is recorded in a debt collection register.

Credit reports are also provided by the IKO (German: Informationsstelle für Konsumkredit, French: centre de renseignements sur le crédit à la consummation) and the ZEK (German: Zentralstelle für Kreditinformation, French: centrale d’information de credit).

More on this topic:
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Daniel Dreier is editor and personal finance expert at moneyland.ch.

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