{"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":"apagar-codigo-zek","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/pt\/solvabilite\/effacer-un-code-a-la-zek\/","title":{"rendered":"Como apagar um c\u00f3digo na ZEK?"},"content":{"rendered":"<p id=\"viewer-eunqj\">O ZEK (Central Office for Credit Information) \u00e9 o servi\u00e7o central su\u00ed\u00e7o de informa\u00e7\u00f5es sobre o cr\u00e9dito. Est\u00e1 ligado \u00e0s actividades de cr\u00e9dito das pessoas singulares e colectivas. Mant\u00e9m um registo no qual certas institui\u00e7\u00f5es, como os bancos, os organismos de cr\u00e9dito e de loca\u00e7\u00e3o financeira, introduzem c\u00f3digos relativos aos h\u00e1bitos de pagamento dos consumidores que utilizam os seus servi\u00e7os.<\/p>\n\n\n\n<p id=\"viewer-5e4v9\">Os c\u00f3digos ZEK negativos fecham a porta a futuros pedidos de cr\u00e9dito ou de loca\u00e7\u00e3o financeira em prazos vari\u00e1veis. Quando se toma conhecimento destes c\u00f3digos negativos, \u00e9 frequentemente na sequ\u00eancia de um pedido de cr\u00e9dito que infelizmente foi recusado. Por exemplo, estes registos s\u00e3o o resultado de :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>V\u00e1rios pedidos de cr\u00e9dito recusados<\/li>\n\n\n\n<li>Atraso no pagamento das presta\u00e7\u00f5es mensais<\/li>\n\n\n\n<li>Problemas de reembolso que exigem acordos de pagamento com o banco<\/li>\n\n\n\n<li>N\u00e3o podendo liquidar a sua d\u00edvida na totalidade, o banco perdeu dinheiro<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"viewer-b22au\">Procedimento<\/h2>\n\n\n\n<p id=\"viewer-8msv6\">S\u00f3 a institui\u00e7\u00e3o financeira que registou o(s) c\u00f3digo(s) pode apag\u00e1-lo(s). N\u00e3o existe outra alternativa, a n\u00e3o ser intentar uma a\u00e7\u00e3o judicial direta contra o organismo que gere os seus dados (a ZEK). Pode faz\u00ea-lo invocando a sua obriga\u00e7\u00e3o de manter os dados actualizados e o seu dever de facultar o acesso \u00e0 retifica\u00e7\u00e3o dos dados (<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\">Se conseguir demonstrar ao banco que cometeu um erro e que a altera\u00e7\u00e3o \u00e9 justific\u00e1vel, ter\u00e1 boas hip\u00f3teses de ganhar o seu processo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"viewer-6ffd4\">Quais s\u00e3o os c\u00f3digos?<\/h2>\n\n\n\n<p id=\"viewer-e3qgr\">A partir do momento em que apresenta um pedido de empr\u00e9stimo ou come\u00e7a a utilizar um cart\u00e3o de cr\u00e9dito, o seu historial de cr\u00e9dito come\u00e7a a ser registado na ZEK. Este registo assume a forma de uma sequ\u00eancia de c\u00f3digos, cujo per\u00edodo de dura\u00e7\u00e3o varia consoante o c\u00f3digo. Nestes casos, devem ser colocadas as seguintes quest\u00f5es:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>O que \u00e9 que estes c\u00f3digos significam?<\/li>\n\n\n\n<li>Por quanto tempo est\u00e3o registados?<\/li>\n\n\n\n<li>Podem ser alterados ou eliminados?<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"viewer-jt3c\">C\u00f3digo para empr\u00e9stimos pessoais<\/h2>\n\n\n\n<p id=\"viewer-e32nv\">O seu pedido de empr\u00e9stimo foi recusado? Em caso afirmativo, ser\u00e1 registado um c\u00f3digo 99 na ZEK com o motivo da recusa. No entanto, pode apresentar um novo pedido a outro estabelecimento. J\u00e1 teve v\u00e1rias recusas? Quanto mais vezes for recusado, maior ser\u00e1 a probabilidade de os bancos recusarem o seu pedido de empr\u00e9stimo. Antes de ser recusado v\u00e1rias vezes, recorra aos nossos servi\u00e7os e assegure-se de que obt\u00e9m o seu empr\u00e9stimo em boas condi\u00e7\u00f5es. Eis um resumo r\u00e1pido de alguns dos c\u00f3digos que podem ocorrer:<\/p>\n\n\n\n<p id=\"viewer-2qu1p\"><strong><u>C\u00f3digos 01 e 02 :<\/u><\/strong> C\u00f3digos sem impacto negativo. Transferiu uma d\u00edvida para um novo contrato. Ou tem um empr\u00e9stimo pendente e os seus compromissos foram cumpridos.<\/p>\n\n\n\n<p id=\"viewer-8ibrb\"><strong><u>C\u00f3digo 03 :<\/u><\/strong> C\u00f3digo moderadamente grave. O seu empr\u00e9stimo atual tem problemas de pagamento com atrasos nos reembolsos mensais.<\/p>\n\n\n\n<p id=\"viewer-8i6ol\"><strong><u>C\u00f3digo 04 :<\/u><\/strong> C\u00f3digo severo. Tem problemas de pagamento relativamente graves com o seu cr\u00e9dito. J\u00e1 n\u00e3o consegue efetuar os seus pagamentos mensais e solicitou uma redu\u00e7\u00e3o dos mesmos. Ou est\u00e1 a ser alvo de um processo judicial.<\/p>\n\n\n\n<p id=\"viewer-a0r4g\"><strong><u>C\u00f3digo 05 :<\/u><\/strong> O seu empr\u00e9stimo ou leasing sofreu uma perda total ou parcial de financiamento. Isto significa que o banco perdeu dinheiro porque deixou de efetuar pagamentos.<\/p>\n\n\n\n<p id=\"viewer-76rjb\"><strong><u>C\u00f3digo 09 :<\/u><\/strong> Trata-se de uma tentativa de fraude, por exemplo, atrav\u00e9s da falsifica\u00e7\u00e3o de documentos e\/ou da transmiss\u00e3o de informa\u00e7\u00f5es falsas para obter um empr\u00e9stimo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"viewer-3k71a\">H\u00e1 alguma coisa que se possa fazer quando o cr\u00e9dito \u00e9 recusado?<\/h2>\n\n\n\n<p id=\"viewer-8rgjq\">Tem um c\u00f3digo mau que tem um efeito negativo na sua candidatura e gostaria de o eliminar para poder obter o seu empr\u00e9stimo? Se for esse o caso, recorra aos nossos servi\u00e7os e juntos encontraremos a melhor solu\u00e7\u00e3o para a sua situa\u00e7\u00e3o. Os nossos especialistas sabem como preparar e apresentar o seu pedido para aumentar as suas hip\u00f3teses de sucesso. Acima de tudo, n\u00e3o volte a candidatar-se a um empr\u00e9stimo depois de ter sido recusado por outra institui\u00e7\u00e3o. Se o fizer, poder\u00e1 ter como consequ\u00eancia uma segunda recusa e perder\u00e1 qualquer hip\u00f3tese de obter o seu empr\u00e9stimo no futuro. Na Lica, temos em conta a sua situa\u00e7\u00e3o e o seu historial ZEK antes de apresentar o seu pedido. Isto aumenta as suas hip\u00f3teses de obter um empr\u00e9stimo em condi\u00e7\u00f5es muito favor\u00e1veis. Oferecemos tamb\u00e9m <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/pt\/credit-refuse-pack-cleandata\/\" target=\"_blank\" rel=\"noreferrer noopener\"><u>o servi\u00e7o de limpeza de dados<\/u><\/a>.<\/p>\n\n\n\n<p id=\"viewer-8q8ik\">Saiba tamb\u00e9m que, se pensa ter sido v\u00edtima de um erro por parte de um banco, tem igualmente o direito de solicitar um extrato ZEK gratuito na seguinte liga\u00e7\u00e3o: <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\">Pode ent\u00e3o contactar diretamente a(s) institui\u00e7\u00e3o(\u00f5es) em causa e tentar argumentar que o c\u00f3digo n\u00e3o se justifica.<\/p>\n\n\n\n<p id=\"viewer-8j24\">Gostaria de limpar os seus dados ou de solicitar um empr\u00e9stimo? <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/pt\/\" target=\"_blank\" rel=\"noreferrer noopener\"><u>Visitar Lica.ch <\/u><\/a>!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"viewer-895c3\">Gostaria de consolidar os seus empr\u00e9stimos e de voltar a p\u00f4r o seu or\u00e7amento em ordem?<\/h2>\n\n\n\n<p id=\"viewer-8bstv\">Sem mais demoras, <a class=\"lien-blog\" href=\"https:\/\/www.lica.ch\/pt\/demande-de-credit-prive-en-ligne\/\" target=\"_blank\" rel=\"noreferrer noopener\">fazer um pedido sem compromisso<\/a> e veja como o podemos ajudar com as nossas solu\u00e7\u00f5es 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. Lica cr\u00e9dit vous explique.","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comment faire effacer un code \u00e0 la ZEK inscrit \u00e0 tort ?<\/title>\n<meta name=\"description\" content=\"Comment effacer un code \u00e0 la Zek et profiter d&#039;un cr\u00e9dit ? ZEK c&#039;est la centrale d&#039;information de cr\u00e9dit en Suisse. 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