How to get off Infocorp’s debtor list and get a loan again in 2024?

If you want to start the year debt-free and no longer appear on Infocorp’s list of defaulters, pay attention to the following information. First, we must highlight the importance of all citizens knowing what their rating is in the credit center because, thanks to that information, they can apply for loans or start a business.

If you maintain punctual payment of debts, the rating will be positive. However, if there are delays in these obligations, the score will be negative and this means that you will appear on Infocorp’s ‘blacklist’. Next, review how to stop appearing as a defaulter in the system and learn the steps to regularize your credit history.

What is Infocorp?

According to the Equifax website, Infocorp is the credit database that compiles the most complete information on debt in the country. Despite not being a state entity, it plays a crucial role in the financial system, as it has a direct impact on the perception of banking institutions. For this reason, there are numerous people who lose credibility and access to financial products when they are reported to Infocorp.

Thanks to this information provided by Infocorp, thousands of Peruvians can access credit, start a business or generate a project.

How do I know if I have debts in Infocorp?

All Peruvians over 18 years of age are in Infocorp. The difference is that some people can be reported positively if they have paid their debts on time; or negatively if this obligation has been breached in the past or if there are delays in this regard. Next, we teach you how to check your credit score with your ID through the following procedure:

• Enter the portal Equifax.
• Register by entering your ID and data, such as your email.
• Enter your Equifax Zone, where you will find your rating and a summary of indicators that give you a general overview of your financial situation.
• In addition to knowing your banking score for free, you can access a complete report by the cost of S/29.90.
• After a few minutes, you will receive a message at email with all the information.

The Superintendency of Banking, Insurance and AFP (SBS) It also offers a debt report that is part of its online services, in which you can find out your credit history, the status of debts and the lines of credit contracted. To access this service, follow these steps:

• Visit the official website of the entity, clicking on this LINK.
• Select the ‘buttonSBS debt report‘.
• Log in to your account. If you do not have one, you must register by entering your personal information. Create a strong password and validate your identity.
• When you have completed these steps, you will be able to view the requested information.

Infocorp: how to get off the blacklist?

People who have a negative credit history at Infocorp assume the false idea that companies can remove them from the blacklist. But this is not the case, since the only way to get out of this registry is to pay your debts on time. To do this, follow these steps:

• Go to the entity that reported you to the risk center, check the total of your debt and cancel it 100%. Also, you can reschedule or refinance in the installments that best suit you.
• Once you have paid off the debt, request a certificate of non-debt and approach the aforementioned entity so that they can send a statement to Infocorp, demanding that the information be released.
• Additionally, you can go to the Equifax offices, where you must submit a simple debt cancellation request, attaching a photocopy of your ID and the documents that support the settlement of your non-payments.

If I have already paid my debt, but I am still in Infocorp: how can I update my report?

If you want to clean up your credit history, follow these recommendations from Equifax:

1. If you have a debt with a commercial entity or an institution not regulated by the SBS, you need to contact the entity with which you had the debt directly and request that they send the cancellation information to Infocorp so that they can update your credit history. .
2. Remember that you must request all the necessary documentation to support the cancellation of the debt, such as the payment voucher or the no-debt certificate.
3. In the case of a financial debt, this will be reflected on your credit report approximately two months after making the payment. After the debt is paid, it will remain as canceled in Infocorp’s database for a period of two years from the date of cancellation of the obligation reported to Equifax.

How do I get a loan if I am in Infocorp?

If you are on Infocorp’s list of debtors, you can access a loan thanks to Prestamype. Unlike other entities, this Peruvian company offers high disbursements from S/20,000 to S/600,000with competitive interest rates and a flexible risk assessment that does not rule you out for being at Infocorp.

Requirements to qualify for Prestamype

• Be registered with the National Superintendency of Public Records (Sunarp).
• Be located in Metropolitan Lima, Callao, Metropolitan Arequipa, Metropolitan Trujillo or Metropolitan Huancayo.
• Be free of legal problems such as fines, liens or effects on the Municipality or Public Registries.