To ensure that your credits have been fully settled, the simplest way is to verify this with the Credit Information Center (ZEK). This step is important because a credit contract that has not been entirely repaid might still carry a balance. Such a balance could be claimed by the lender even after several years, potentially leading to financial surprises.
Additionally, an unresolved balance could generate negative solvency codes in the ZEK database, which might harm your credit score and your ability to secure future financing. It can also distort your overall credit commitments as recorded in the ZEK, affecting your financial profile.
This verification is part of the services offered by Credial, ensuring you have peace of mind and a clear financial standing.