Knowing how long the negative information is maintained in the records is key to accessing credits, since these reflect both pending debts and the specific payments of Peruvians.
The registration of the credit history in Infocorp can significantly influence access to financial products. This database collects information on the payments and commitments of Peruvian citizens, reflecting both punctuality in fertilizers and pending debts. Although some people perceive it as a “blacklist”in reality, Infocorp does not emit judgments about the ability to pay, but offers a panorama of financial behavior.
The permanence of a debt in this registry depends on various factors, generating restlessness in those who seek to regularize their situation. Since the use of credit cards and loans implies complying with the established deadlines, it is key to understanding how long the negative information is maintained and in what way it can affect future credit opportunities.
Infocorp: How long does your debts take time?
The time that a debt remains in Infocorp is determined by the user’s payment history. If financial obligations are fulfilled promptly, registration will reflect positive behavior without negative annotations.
However, when there are unpaid debts, the information is preserved for a maximum of five years from the expiration date. In the case of debt debts after a period of delinquency, these data will remain registered up to two years after the payment made.
How to know if you are in Infocorp? Follow these steps and consult your free or paid debt
To verify the status of a Debocorp debtit is possible to obtain a report through the Equifax credit report platform.
The procedure includes:
- Access the page From an electronic device.
- Select if the report is personal or of a third, register or log in and complete the required data, such as the ID number, address and email.
- Subsequently, you must choose between the Free option or payment version By S/ 39, after which the report will be sent by email.
Alternatively, credit information can be consulted through the Superintendence of Banking, Insurance and AFP (SBS) at no cost.
For this, it is necessary to enter the official Portal of the SBS, select the option “SBS Debt Report”, log in or register and download the corresponding document.
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.
