In Peru, maintaining a good credit history is key to accessing financing, competitive rates and financial benefits. However, many people do not know how to consult their debt report or what are the consequences of appearing in a risk center such as Infocorp.
Access to this information is essential to make informed financial decisions. Therefore, it is necessary that economically active citizens know how to consult their Debt report with your DNIinterpret your history and what to do if you are in the Moorish list.
How to access your debt report with your ID?
Consulting your debt report with the National Identity Document (DNI) is a simple process, both for the Superintendence of Banking, Insurance and AFP (SBS) As for Infocorp, the two main risk centrals of the country.
SBS debt report
- Enter the official SBS portal (in this link).
- Create a free account if you don’t have it yet.
- Access the section “Debt report” and provides your ID number.
- Download your updated report, where you can see your classification as a debtor.
Infocorp debt report
- Visit the Equifax Peru page (in this link).
- Register with your ID and email.
- Choose the free or payment option to access more detailed reports.
- Check your credit status and entities where you have pending obligations.
SBS: Debt debt levels in Peru
The SBS classifies debtors in Peru according to its level of credit risk. These categories allow financial institutions to evaluate the probability of non -compliance.
- Normal: Debtors a day with their payments.
- With potential problems: Delays of up to 30 days.
- Deficient: ReELA BETWEEN 31 AND 90 DAYS.
- Doubtful: Reels between 91 and 120 days.
- Loss: Delays greater than 120 days or debts considered uncollectible.
Understanding your classification will help you know how financial entities perceive you and what measures to take to improve your situation.
Infocorp: What happens if I’m on the list of Moorish?
Figure in the Infocorp delinquent list It can bring serious consequences for your personal finances. Financial entities consult this database to assess the risk before passing credits.
If you are in the list of delinquent, you will be denied bank or commercial loans, in addition to increasing interest rates in case of approval. On the other hand, financial institutions will also place various limitations to access vehicular, mortgage or studies financing. Therefore, it is crucial to take immediate actions to solve outstanding debts and improve your credit history.
How to get out of the Infocorp debtors list?
Eliminating from the list of delinquent in Infocorp requires taking specific measures to regularize your financial situation.
- Pay your debts: Contact the financial entity directly and negotiate a payment plan if necessary.
- Update your information: Once you liquidate your debts, request a certificate of non -debt and verify that the entity reports it to Infocorp.
- Wait for the update deadline: Infocorp updates your records monthly, so your history will reflect the changes in the following cycle.
How does a risk center in Peru work?
Risk centrals such as SBS and INFOCORP They collect financial information from people and companies to create a credit profile. This system allows financial institutions to evaluate the solvency of an applicant before approving any financial product or service.
These institutions seek to register user credit and debts, in addition to classifying them according to their risk of breach. On the other hand, they have the obligation to provide updated information to financial institutions for decision making. These platforms are essential for the proper functioning of the financial system, since they encourage transparency and reduce credit risks.
Source: Larepublica
Alia is a professional author and journalist, working at 247 news agency. She writes on various topics from economy news to general interest pieces, providing readers with relevant and informative content. With years of experience, she brings a unique perspective and in-depth analysis to her work.
