If I fall behind in my cell phone payment or my line bill, can I enter Infocorp’s blacklist?

When you think about debts, it is often assumed that they are large amounts of money that may be owed to a commercial company or financial entity, be it banks or municipal savings banks; However, what happens if you don’t meet small payment obligations, such as the cell phone or mobile phone receipt that you purchased in installments, can you enter the blacklist of infocorp for this type of debt?

As explained to The Republic the legal director of Infocorp-Equifax Peru, Javier Mori, being with Infocorp does not necessarily imply having a bad credit history; However, there are a series of actions that would change your rating from positive to negative, which would commit you to future loan applications such as mortgage or vehicle loans in the financial entities.

“All Peruvians over the age of 18 are registered in the Infocorp database; either with positive information, which means timely payment of debtsor negative information, when unpaid debts have fallen into arrears. If you have paid your debts on time, then it is likely that you have a positive rating, “he maintains in this medium.

Can I be negatively reported if I don’t pay my cell phone bill?

In Mori’s words, telephone companies have the power to report to infocorp the list of debtors who have failed to pay their services. “In the case of public service debts (which can be water, electricity, natural gas and telecommunications), default can be recorded after six months after the debt has expired”affirms the expert, but adds that this period of restriction “does not exist in the case of debts related to the financing of equipment such as cell phones”, because these can be reported at any time.

“It is important to take care that one’s own credit history reflects adequate payment behavior, and If the person has fallen into default, resolving them well, paying the overdue debts or refinancing them with the corresponding creditor, so that said history improves progressively over time”, he recommends.

{ lazyloadBackgroundObserver.observe( lazyloadBackground ); } ); }; const events = [ 'DOMContentLoaded', 'elementor/lazyload/observe', ]; events.forEach( ( event ) => { document.addEventListener( event, lazyloadRunObserver ); } ); Immediate Access Pro