3 steps to check if you have DEBT in your name: it’s free and you only need ID

In a world where the use of credit is common and can open many doors, maintaining a clean credit history is of utmost importance. That is why you should review your debt report, using only your credit number. ID, It is presented as a fundamental step to guarantee your financial stability.

Thanks to the digitization of financial services, it is now possible to access this vital information free and secure. Institutions like the Superintendency of Banking, Insurance and AFP (SBS) and Sentinel They offer facilities so that citizens can verify their debts in Infocorpwhich contributes to creating greater awareness about the importance of properly managing personal finances.

Debt report with DNI: LINK to review through SBS

The Superintendency of Banking, Insurance and AFP (SBS) provides people with a tool at no cost to examine their debts. By accessing the official website, anyone can get a detailed report of their credit situation. This service allows you to know current debts, active lines of credit and other relevant financial commitments.

To access:

1. Visit the official website of the institution or follow the link provided.
2. Click on the ‘SBS Debt Report’ option and log in to your profile. If you don’t have one yet, you will need to create an account.
3. Once these steps are completed, you will have access to the necessary data.

How to check my situation in Infocorp for free

Sentinel offers an alternative so that Peruvians can know their credit history for free. Through its online platform, it provides a service that allows users to check if they have outstanding debts and how these impact their credit history. This service provides detailed information about outstanding debts, including amounts, due dates, and the current status of financial obligations.

To access:

1. Visit the Sentinel website by clicking HERE and proceed to create an account if you don’t already have one.
2. Complete the required fields with your information. After completing registration, you will receive an email to verify your account.
3. Once you have completed these steps, the platform will show you a breakdown of the financial institutions related to you, along with the balance owed and the corresponding credit evaluation.

Is there an Infocorp ‘blacklist’?

There is no specific list called ‘blacklist’ in Infocorp, as all Peruvian adults are included in their database. What determines your profile in Infocorp is your credit history: if you have paid your debts on time, you will have positive information; If you have outstanding debts, you will have negative information.

Is it possible to be removed from Infocorp’s ‘blacklist’?

There is a misconception that companies have the power to remove you from Infocorp’s ‘blacklist’. However, the database for this entity is immutable. Both users with a responsible credit history and those who have not met their financial obligations are registered there. To get out of this registry, you must pay off your outstanding debt by following these steps:

1. If you have an outstanding loan or debt, contact the corresponding merchant or bank and make the payment or explore rescheduling or refinancing options in installments that suit your situation.
2. Once you have paid off the debt, request a document certifying that you have no pending payments.