What the landlord sees on your extract
Anyone who shows a credible interest can get an extract from the debt enforcement office, and an upcoming contract counts as such an interest (Art. 8a para. 1 and 2 SchKG). Not every entry is shown to third parties:
| Situation | Shown to third parties? | Basis |
|---|---|---|
| The creditor withdrew the enforcement | No | Art. 8a para. 3 lit. c SchKG |
| The enforcement is void or was cancelled by a court | No | Art. 8a para. 3 lit. a SchKG |
| You objected and the creditor did nothing more | No, after your request | Art. 8a para. 3 lit. d SchKG |
| Any other enforcement | Yes, until five years after the proceedings ended | Art. 8a para. 4 SchKG |
Paying the debt is not on that list. So when you pay, ask the creditor in writing to withdraw the enforcement.
How to hide an unjustified entry
- You raised an objection (Rechtsvorschlag) against the payment order.
- Wait three months from the day the payment order was served.
- Send a request to the debt enforcement office that issued it.
- The office gives the creditor 20 days to show that proceedings to remove your objection were started in time.
- If the creditor shows nothing, the office no longer tells third parties about the entry.
If the creditor proves it later or continues the enforcement, the entry is shown again.
If the entry stays visible
- Explain it. Two honest lines in your cover letter: what happened, when, and that it is settled.
- Add proof. A payment receipt or the creditor's confirmation.
- Offer security. A deposit of up to three monthly rents is the legal maximum for homes (Art. 257e OR). A co-tenant or a person who stands surety is another option.
- Widen the circle. Private landlords and housing cooperatives set their own criteria. Some will listen, none have to.
Do not hand in an old or altered extract. The landlord may ask the chosen applicant for the original (FDPIC leaflet, 2025).
What aptari does here
aptari shows the rental listings of Homegate, ImmoScout24, Flatfox and about 800 housing cooperative websites in one feed, so you reach many different advertisers. Your Tenant Passport holds your documents in one place and shows what is missing. On Pro and Ultra, the cover letter is drafted from your dossier, and you add your explanation.
This is general information, not legal advice.