How do I know if I have debts in my name with only an ID?

Having a good credit history is extremely important nowadays. Whether for procedures or loans of different kinds, being positively qualified is an advantage that people take advantage of to implement a business or venture thanks to this extra money. However, there are also responsibilities that you must fully fulfill and that is to pay on time the fee filed by your bank or municipal fund. For this reason, those who fall behind on their commitments automatically generate a debt with the issuing company. In this way, they could stain their record at Infocorp, the risk center that is responsible for recording the financial behavior of citizens in Peru.

Next, we will tell you how to check if you have debts in your name using your national identity document (DNI), through the main platforms that offer this information such as Sentinel, Equifax or the Superintendence of Banking, Insurance and AFP (S.B.S.).

How do I know if I have debts, via SBS?

The Superintendence of Banking, Insurance and AFP (SBS) has, within its services, a debt report. In this, you will access your credit information, the status of your debts, as well as the lines of credit contracted. Remember that, in addition to IDyou can register with the number of your immigration card, passport or ID.

• Enter the official website of the entity by clicking on this LINK
• Select the ‘SBS Debt Report’ button
• Log in into your account. If you do not have one, you must register
• Once this procedure is completed, you will be able to view the requested information.

Check debt report via Equifax

Equifax is one of the main companies that provide information about the credit behavior, whether positive or negative, of a person. Review the step by step so that you get a summary of the general picture of your financial situation.

• Access the official Equifax website or click on this LINK
• Log in to your account or create one. For this, you must enter your personal information such as ID, email, among others.
• The cost for this service is S/29.90. You can also access your bank score totally free
• After a few minutes, you will receive an email message with all the information.

Sentinel: how do I know if I have debts online?

For its part, Sentinel Perú is an alert center where you can find out your detailed debt report, the amount, date and how your rating is going. Check how to access:

• Enter the official Sentinel website HERE and generate your account. If you don’t have one, you must create one
• Complete the requested information. Once ready, you will receive a confirmation email
• Once this procedure is completed, the same platform will provide you with the data for the month in question. The list of entities with which you maintain a financial link, the amount of your debt and its rating will appear.