The non-disclosure request, step by step
Updated on 18 July 2026
In brief
The non-disclosure request is a written application to the debt-enforcement office asking that your entry no longer be disclosed to third parties (Art. 8a para. 3 let. d SchKG). Conditions: you filed an objection (opposition) to the payment order, at least 3 months have passed since its notification, and the creditor has not started proceedings to clear your objection. Since the 2026 revision you have five years to file it. The fee is CHF 40 (Art. 12b GebV SchKG). Effect: the entry stays on the register, but landlords and employers no longer see it.
It is the most powerful way to neutralise a contested entry: without going through the creditor or a court, you ask the office directly to stop showing it to third parties. Here are the exact conditions, the procedure and what the request must contain.
What the request achieves (and what it doesn't)
If granted, the request makes the entry invisible to third parties: a landlord or employer ordering an extract will no longer see it. It is not "deleted", though: it stays on the register, visible to you and to the authorities. That is the difference between non-disclosure and deletion — and for an application file, non-disclosure is enough.
The three conditions to meet
1. You filed an objection to the payment order (within 10 days of notification, Art. 74 SchKG). 2. At least three months have passed since that notification. 3. The creditor has not started proceedings to clear your objection — or their attempt was definitively rejected, which, since the revision in force on 1 January 2026, no longer blocks you. The same revision extended the filing window from one year to five years after notification.
The procedure and the cost
The request is addressed in writing to the debt-enforcement office that registered the entry, with a CHF 40 fee (Art. 12b GebV SchKG). The office then notifies the creditor, who has 20 days to prove they started clearing proceedings or a court action in time. If they don't, the entry is no longer disclosed to third parties. No hearing, no lawyer required.
What the request must contain — and when it is excluded
Your request must precisely identify the proceeding (number, office, date of the payment order), recall your objection, and be dated and signed. Mind the excluded cases: without an objection this route is closed — and payment alone does not open it (Federal Supreme Court decision BGE 147 III 486). For a debt paid without objection, the right route is a withdrawal request to the creditor (Art. 8a para. 3 let. c SchKG), or the five-year period running out.
How much does the non-disclosure request cost?
The fee is CHF 40 (Art. 12b GebV SchKG), payable to the debt-enforcement office. It is a federal tariff, identical across Switzerland.
Is the entry deleted from the register?
No: it is no longer disclosed to third parties, which is enough for your applications. It remains visible to you on your own extract and to the authorities.
Can I file the request if I paid without objecting?
No. Non-disclosure requires an objection the creditor did not pursue; payment alone gives no right to it (BGE 147 III 486). In that case, request withdrawal from the creditor instead.