The Central risk are companies that are in charge of managing the credit reports of all citizens, including their debts, loans or credits. This is an essential function, since it helps the financial system to decide who is suitable to acquire bank obligations and who is not.
In Peru, Infocorp is the best known credit bureau, but it is not the only one. Like this entity exist three other centrals authorized and supervised by the Superintendency of Banking and Insurance (SBS). Next we will introduce you to each of them.
What are the other credit bureaus in Peru?
1. Sentinel
Sentinel is one risk center that provides access to natural and legal persons in Peru to their credit information. The report it provides includes payment times, amounts paid, the debt capacity, among others.
Currently, it became part of the Experian group and is positioned as one of the leading credit bureaus in Peru. In addition, thanks to their constant innovations they have been able to grow rapidly in recent years.
2. Xchange
Xchange It has been operating on Peruvian soil for twelve years and is considered one of the most important private credit bureaus in the country. This company offers its users access to queries related to the credit history, either your own, other people or some companies.
In addition, it offers financial verification and analytical services to companies, which is very useful because it allows personalized evaluations and pre-qualifications. It also has a mobile application to make it easier to access information from anywhere in the country or the world.
3. Superintendency of Banks and Insurance (SBS)
According to Law 26702, the Superintendency of Banks and Insurance (SBS) not only operates as a regulatory and supervisory entity of banks, but also handles data from the public sector, therefore it has the character of risk center.
Therefore, anyone can create an online account at the SBS website and consult all your reports debts and related documents. Likewise, you can find out if you are in the database of any of the other credit bureaus mentioned in this note.
How to see my debt report in the SBS?
The SBS Debt Report presents the list of credits and ratings contracted by companies in the financial system. There you can even see details such as the lines of credit granted that have not been used. Follow these steps and find out what your debt history is:
- Enter the SBS Debt System portal.
- Complete the requested information in the fields on the page: ID, first and second surname, name, birth, date of issue, etc.
- Select “Login” and you’re done.
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