{"id":5804,"date":"2023-07-07T16:59:00","date_gmt":"2023-07-07T14:59:00","guid":{"rendered":"https:\/\/test.lica.ch\/?p=5804"},"modified":"2025-11-16T12:13:25","modified_gmt":"2025-11-16T10:13:25","slug":"borrar-codigo-zek","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/es\/solvabilite\/effacer-un-code-a-la-zek\/","title":{"rendered":"\u00bfC\u00f3mo eliminar un c\u00f3digo en la ZEK?"},"content":{"rendered":"<p id=\"viewer-eunqj\">La ZEK (Oficina Central de Informaci\u00f3n Crediticia) es la central suiza de informaci\u00f3n crediticia. Est\u00e1 vinculada a las actividades crediticias de las personas f\u00edsicas y jur\u00eddicas. Mantiene un registro en el que determinadas instituciones, como bancos y organizaciones de cr\u00e9dito y arrendamiento financiero, introducen c\u00f3digos relativos a los h\u00e1bitos de pago de los consumidores que utilizan sus servicios.<\/p>\n\n\n\n<p id=\"viewer-5e4v9\">Los c\u00f3digos ZEK incorrectos cierran la puerta a futuras solicitudes de cr\u00e9dito o leasing en plazos variables. Cuando se tiene conocimiento de estos c\u00f3digos malos, suele ser como resultado de una solicitud de cr\u00e9dito que lamentablemente ha sido denegada. Por ejemplo, estas entradas son el resultado de :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Varias solicitudes de cr\u00e9dito denegadas<\/li>\n\n\n\n<li>Retraso en el pago de las mensualidades<\/li>\n\n\n\n<li>Problemas de reembolso que requieren acuerdos de pago con el banco<\/li>\n\n\n\n<li>Al no poder saldar su deuda en su totalidad, el banco ha perdido dinero<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"viewer-b22au\">Procedimiento<\/h2>\n\n\n\n<p id=\"viewer-8msv6\">S\u00f3lo la entidad financiera que registr\u00f3 el c\u00f3digo o c\u00f3digos puede suprimirlos. No hay otra alternativa, salvo emprender acciones legales directas contra el organismo que gestiona sus datos (el ZEK). Puedes hacerlo invocando su obligaci\u00f3n de mantener los datos actualizados y su deber de facilitar el acceso para rectificar los datos (<a class=\"lien-blog\" href=\"https:\/\/www.admin.ch\/opc\/fr\/classified-compilation\/19920153\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\"><u>LPD<\/u><\/a>).<\/p>\n\n\n\n<p id=\"viewer-b407l\">Si puede demostrar al banco que ha cometido un error y que el cambio es justificable, tendr\u00e1 muchas posibilidades de ganar el caso.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"viewer-6ffd4\">\u00bfCu\u00e1les son los c\u00f3digos?<\/h2>\n\n\n\n<p id=\"viewer-e3qgr\">Desde el momento en que presenta una solicitud de pr\u00e9stamo o empieza a utilizar una tarjeta de cr\u00e9dito, su historial crediticio empieza a registrarse en ZEK. Se trata de una serie de c\u00f3digos, cuya duraci\u00f3n var\u00eda en funci\u00f3n del c\u00f3digo. En estos casos, conviene plantearse las siguientes preguntas:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00bfQu\u00e9 significan estos c\u00f3digos?<\/li>\n\n\n\n<li>\u00bfDurante cu\u00e1nto tiempo est\u00e1n registrados?<\/li>\n\n\n\n<li>\u00bfPueden modificarse o suprimirse?<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"viewer-jt3c\">C\u00f3digo para pr\u00e9stamos personales<\/h2>\n\n\n\n<p id=\"viewer-e32nv\">\u00bfHa sido rechazada su solicitud de pr\u00e9stamo? Si es as\u00ed, se registrar\u00e1 en ZEK un c\u00f3digo 99 con el motivo del rechazo. No obstante, podr\u00e1 presentar una nueva solicitud en otro establecimiento. \u00bfHa sufrido varios rechazos? Cuantas m\u00e1s veces le rechacen, m\u00e1s probabilidades tendr\u00e1 el banco de rechazar su solicitud de pr\u00e9stamo. Antes de que le rechacen varias veces, recurra a nuestros servicios y aseg\u00farese de obtener su pr\u00e9stamo en las condiciones adecuadas. He aqu\u00ed un r\u00e1pido resumen de algunos de los c\u00f3digos que pueden darse:<\/p>\n\n\n\n<p id=\"viewer-2qu1p\"><strong><u>C\u00f3digos 01 y 02 :<\/u><\/strong> C\u00f3digos sin impacto negativo. Ha transferido una deuda a un nuevo contrato. O tienes un pr\u00e9stamo pendiente y se han cumplido tus compromisos.<\/p>\n\n\n\n<p id=\"viewer-8ibrb\"><strong><u>C\u00f3digo 03 :<\/u><\/strong> C\u00f3digo moderadamente grave. Su pr\u00e9stamo actual tiene problemas de pago que implican retrasos en los reembolsos mensuales.<\/p>\n\n\n\n<p id=\"viewer-8i6ol\"><strong><u>C\u00f3digo 04 :<\/u><\/strong> C\u00f3digo grave. Tiene problemas de pago relativamente graves con su cr\u00e9dito. Ya no puede hacer frente a sus pagos mensuales y ha solicitado que se reduzcan. O se encuentra en un procedimiento judicial.<\/p>\n\n\n\n<p id=\"viewer-a0r4g\"><strong><u>C\u00f3digo 05 :<\/u><\/strong> Su pr\u00e9stamo o leasing ha sufrido una p\u00e9rdida total o parcial de financiaci\u00f3n. Esto significa que el banco ha perdido dinero porque usted ha dejado de hacer los pagos.<\/p>\n\n\n\n<p id=\"viewer-76rjb\"><strong><u>C\u00f3digo 09 :<\/u><\/strong> Se trata de un intento de estafa, por ejemplo falsificando documentos y\/o transmitiendo informaci\u00f3n falsa para obtener un pr\u00e9stamo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"viewer-3k71a\">\u00bfHay algo que pueda hacer cuando le deniegan un cr\u00e9dito?<\/h2>\n\n\n\n<p id=\"viewer-8rgjq\">\u00bfTiene un c\u00f3digo incorrecto que afecta negativamente a su solicitud y le gustar\u00eda eliminarlo para poder obtener su pr\u00e9stamo? Si es as\u00ed, recurra a nuestros servicios y juntos buscaremos la mejor soluci\u00f3n para su situaci\u00f3n. Nuestros expertos saben c\u00f3mo preparar y presentar su solicitud para aumentar sus posibilidades de \u00e9xito. Sobre todo, no vuelva a solicitar un pr\u00e9stamo despu\u00e9s de haber sido rechazado por otra entidad. Si lo hace, podr\u00eda sufrir una segunda denegaci\u00f3n y perder toda posibilidad de obtener su pr\u00e9stamo en el futuro. En Lica tenemos en cuenta su situaci\u00f3n y su historial ZEK antes de realizar su solicitud. Esto aumenta sus posibilidades de obtener un pr\u00e9stamo en muy buenas condiciones. Tambi\u00e9n ofrecemos <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/es\/credit-refuse-pack-cleandata\/\" target=\"_blank\" rel=\"noreferrer noopener\"><u>el servicio de limpieza de datos<\/u><\/a>.<\/p>\n\n\n\n<p id=\"viewer-8q8ik\">Tambi\u00e9n debe saber que si cree que ha sido v\u00edctima de un error por parte de un banco, tambi\u00e9n tiene derecho a solicitar un extracto ZEK gratuito en el siguiente enlace: <a href=\"https:\/\/www.zek.ch\/fr-ch\/preneurs-de-credit-et-de-leasing\/donnees-sur-ma-personne\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.zek.ch\/fr-ch\/preneurs-de-credit-et-de-leasing\/donnees-sur-ma-personne<\/a>. <\/p>\n\n\n\n<p id=\"viewer-u5tv\">A continuaci\u00f3n, puede ponerse en contacto directamente con la instituci\u00f3n o instituciones implicadas e intentar argumentar que el c\u00f3digo no est\u00e1 justificado.<\/p>\n\n\n\n<p id=\"viewer-8j24\">\u00bfQuiere limpiar sus datos o solicitar un pr\u00e9stamo? <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/es\/\" target=\"_blank\" rel=\"noreferrer noopener\"><u>Visite Lica.ch <\/u><\/a>!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"viewer-895c3\">\u00bfLe gustar\u00eda consolidar sus pr\u00e9stamos y volver a encarrilar su presupuesto?<\/h2>\n\n\n\n<p id=\"viewer-8bstv\">Sin m\u00e1s pre\u00e1mbulos, <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/es\/demande-de-credit-prive-en-ligne\/\" target=\"_blank\" rel=\"noreferrer noopener\">haga una solicitud sin compromiso<\/a> y vea c\u00f3mo podemos ayudarle con nuestras soluciones exclusivas.<\/p>","protected":false},"excerpt":{"rendered":"<p>La ZEK (centrale d\u2019information de cr\u00e9dit) est la centrale d\u2019information suisse pour les informations de solvabilit\u00e9. Elle est li\u00e9e aux activit\u00e9s de cr\u00e9dit des personnes physiques et morales. Celle-ci tient \u00e0 jour un registre dans lequel certains \u00e9tablissements comme les banques ou organismes de cr\u00e9dit et leasing saisissent des codes relatifs aux habitudes de paiement [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":27897,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42],"tags":[],"class_list":["post-5804","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-solvabilite"],"_yoast_wpseo_focuskw":"Effacer un code \u00e0 la ZEK","_yoast_wpseo_title":"Comment faire effacer un code \u00e0 la ZEK inscrit \u00e0 tort ?","_yoast_wpseo_metadesc":"Comment effacer un code \u00e0 la Zek et profiter d'un cr\u00e9dit ? ZEK c'est la centrale d'information de cr\u00e9dit en Suisse. 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