Infocorp is responsible for collecting and managing information about the Credit history of people and companies. The viability to access credits and develop businesses is closely linked to the data provided by this entity. Those who fulfill the payment of your debts, Whether they are credit cards, loans, taxes or services, they will receive a positive qualification.
In contrast, those who have incurred financial breaches They will probably be evaluated with a negative rating. For this reason, it is essential that users periodically review their Debt report and remain informed about their financial situation. Find out how to do it in the following note.
How can I see my infocorp debt report with my DNI?
- Enter the platform Equifax Through this link.
- Put your ID number, email and address.
- After validating your identity, you can make the payment (S/ 33.90).
- Finally, your report will reach your email.
What happens if I am on the list of Moorish of Infocorp?
If a person is included in Infocorp As Morosa, you can face serious difficulties when trying to obtain financing. A negative credit history significantly reduces the possibilities of accessing loans with favorable conditions. The financial entitieswhen evaluating an applicant with a low score, they usually increase interest rates due to the highest perceived risk.
In some cases, the situation can become even more restrictive, to the point that the financial institution decides to reject the credit application. This represents a considerable obstacle for those who need financing, either to acquire goods, make investments or face urgent economic situations.
How to get out of the Infocorp debtors list?
Although you have already paid your debt, there is the possibility that you are still registered in the list of debtors of Infocorp. To solve this inconvenience, it is necessary for the debtor to follow a series of steps such as the ones we will present below:
- Request the update directly to the creditor: If your debt comes from a commercial entity or not regulated by the Superintendence of Banking and Insurance of Peru (SBS), the first step is to directly contact the crediting entity.
- Direct procedure with Infocorp: For those cases in which the debt is financial, you can submit a request for review to the email contactos@equifax.com attaching the corresponding documentation.
- Wait for your history update: Infocorp has a period of 12 calendar days to meet your application and, if necessary, the information will be updated.
What is the importance of a good credit history, according to the SBS?
Being punctual in paying a debt or having a good credit history offers multiple benefits, since facilitates creditallows access to lower interest rates and reduces the amount of requirements required by financial entities.
In contrast, those who present a history of unpunctuality will face greater difficulties in requesting financing, given that companies are usually reluctant to grant credits to people who do not fulfill their financial commitments.
In that sense, risk plants play a fundamental role in the financial system, since they contribute to their balanced development. In addition, they represent a valuable tool for users, allowing them to know how they are reported by financial entities and remain alert to any irregularity in their credit history.
Also, these centrals support the work of financial institutionsSBS and other state agencies, facilitating the supervision of financial behavior of individuals and companies. Its function helps reduce delinquency levels and strengthen the stability of the credit system.
Source: Larepublica
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