All people should know their credit history and how your debts are found from time to time in the credit bureaus. The State entity in charge of regulating and verifying the credits that are acquired with financial entities is the Superintendency of Banking, Insurance and AFP (SBS).
While the credit information of both the SBS As from additional sources (non-regulated banking, commercial companies, service companies) it is addressed by Infocorp.
From Infocorp-Equifax, they remember that maintaining a good credit history allows easier access to better financial products and even better rates and conditions.
“For example, if a person pays his debts on time (credit cards, loans and taxes and services), he will have a positive rating; while if this person had a breach of their financial obligations, they will probably have a negative rating, “the firm said in a press release.
How to consult the debts in Infocorp?
– Enter Equifax from here and follow the steps indicated
– After validating the identity, the payment can be made.
-The report will arrive by email.
It should be noted that all Peruvians over 18 years of age are in Infocorp, the fundamental thing is to know how they are qualified, that is, if a positive record is maintained, they will have access to better benefits.
Infocorp shared the following steps to improve credit history:
– Request the Infocorp credit report to know the status of the debts. The report can be consulted from 29.90 soles here: https://soluciones.equifax.com.pe/e-commerce/compra/reporte-infocorp-propio-30/
– After reviewing the status of the debts, contact the entity with which a debt is maintained, manage the payment and catch up.
– Once all the debt has been paid, request a proof of no debt. This will ensure that there are no outstanding debts.
It is the document that contains information on the debts registered in Infocorp of a person or company, explained Infocorp-Equifax.
If debts are paid on time, then the report is favorable for credit analysis and represents a good sign to obtain better credit conditions and conduct safer business.
It is a rating that predicts the probability of payment of debts in the next 12 months, and is taken into account by financial institutions when deciding to grant a loan.
– Infocorp reports only show information from the last five years, after that time the information is withdrawn due to expiration, but that does not mean that the debt with the creditor has disappeared.
If the debts are current, can the credit score decrease because the amount of credit use has increased?
– Indeed, increasing the amount of the debt, even if it is not past due, can lower the score because when the debt is higher, the ability to pay is subtracted.
At another time, he said that if you are looking for personalized attention, online or go to the physical place, you can enter www.infocorp.com.pe, call 415-0330 or go to your physical store in San Isidro.
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Kingston is an accomplished author and journalist, known for his in-depth and engaging writing on sports. He currently works as a writer at 247 News Agency, where he has established himself as a respected voice in the sports industry.
