The Risk Central evaluates your financial history to grant credits, but if you have debts, how long does it take to eliminate and what can you do about it?
Infocorp is a database that collects information on the financial behavior of people and companies. Its main function is to consolidate debt reports, payments fulfilled and other records that allow bank and commercial entities to evaluate the level of risk of its customers before granting credits or financial services.
In that context, have a Positive history in Infocorp It is essential to access better credit conditions and economic opportunities in the market. However, what happens if you have debts registered in Infocorp? How long would it take to eliminate from the Peruvian financial system and what actions should you take?
If you have debts in Infocorp: How long does it take to eliminate?
He Credit History recorded in Infocorp It can affect access to different financial products. This platform stores information about the obligations and payments of citizens in Peru, detailing both punctuality in fertilizers and pending debts. Although some associate it with a “blacklist”its purpose is not to qualify the ability to pay, but to provide an overview of financial behavior.
The time that a debt remains in this registry depends on several factors, which generates concern in those who seek to catch up with their obligations. Since the use of credit cards and loans requires the fulfillment of specific deadlines, it is essential to know how long the negative information is maintained and how it can influence future financing opportunities.
The permanence of a debt in Infocorp is determined by the user’s payment behavior. If the obligations are fulfilled without delays, the history will reflect a positive profile without negative reports. However, in case of delinquency, The information will be kept for up to five years From the expiration date. For debts paid after a delay, the data will remain registered for a period of up to two years after their cancellation.
Are you in Infocorp? Follow these steps and consult your debt, free or paid
To know the status of a debt in Infocorp, a report can be requested through the Equifax credit report platform.
The process consists of:
- Enter the page from an electronic device.
- Choose whether the report is own or of a third party, register or log in and complete the required data, such as DNIaddress and email.
- Then, select between the free option or the version paid for S/ 39, after which the report will be sent to the email.
Another alternative is to consult the free credit information through the Superintendence of Banking, Insurance and AFP (SBS). To do this, the official SBS portal must be accessed, select “SBS debt report”log in or register and download the document.
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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.
