The Superintendency of Banking, Insurance and AFP (SBS) plays a crucial role in overseeing the Peruvian financial system by ensuring that financial entities maintain healthy and transparent practices. One of its most important tools is the SBS Debt Reporta document that reflects your credit history monthly and helps you maintain control over your financial health.
This report not only shows the credits contracted, but also the rating based on whether or not you are up to date with the payment of your debts. This information is essential to verify your credit rating, detect fraud in the assignment of credits and confirm the cancellation of your debts.
What is the SBS debt report?
The SBS Debt Report is a monthly summary of your credits in the financial system, including your credit rating. This document is important for the following:
- Check errors in your rating
- Detect fraud in the assignment of credits
- Confirm the cancellation of debts.
How long late in the payment of a loan do banks classify the debtor as having “potential problems”?
The classification of debtors is based on their payment behavior. The SBS and financial entities categorize debtors based on delinquency in the case of consumer loans. Thus, If you are 9 to 30 calendar days late with your payment, you may receive a “potential issues” rating..
However, it is important to emphasize that it is not the only indicator to classify a debtor. It also influences alignment; That is, that procedure by which a company in the financial system modifies the assigned risk category, according to the highest risk category reported by another entity.
| Risk categories | In consumer credit | In mortgage loans |
| Normal | Timely payment or maximum delay of 8 calendar days. | Timely payment or maximum delay of 30 calendar days. |
| Potential problems | Payment delays, from 9 to 30 calendar days. | Payment delays, from 31 to 60 calendar days. |
| Deficient | Payment delays, from 31 to 60 calendar days. | Payment delays, from 61 to 120 calendar days. |
| Doubtful | Payment delays, from 61 to 120 calendar days. | Payment delays, from 121 to 365 calendar days. |
| Loss | Payment arrears of more than 120 calendar days. | Payment arrears of more than 365 calendar days. |
SBS: how to access the online debt report?
To obtain your SBS debt report online, follow these steps:
- Enter the link provided by the SBS
- Select ‘SBS debt report’
- Complete the fields with your document type and number, and password
- If you are not registered, you can do so at that time.
If the information from the SBS Risk Center is wrong, how do I complain?
If you find discrepancies in your report, direct your claim to the reporting financial institution, since it is the only one authorized to correct errors. In addition, you can file a complaint with the SBS to evaluate possible violations.
Source: Larepublica
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