How to check your score in the credit bureau

The Credit Bureau became the reference to obtain a credit. This is the private company that delivers the qualification and the credit report to the citizens and to the financial institutions and companies that give credit.

The report includes all credit operations that the person has made in the last 36 months and the state in which they are, since it is a company authorized by the Superintendence of Banks.

The fear of appearing in that registry of financial obligations is common among citizens, however, being recorded did not always mean that it is “something bad”. Most of us have a record in the credit bureau from the moment we apply for a loan. Being there brings benefits, because you are prepared for the moment when you plan to apply for a loan or need to cover a very heavy spending for which you were not prepared.

Before, the form of qualification was different, it was measured according to the letters A-B-C-D-E, is currently under a score of up to 1000.

How to check the Credit Bureau in Ecuador

For example, if you are a “compliant” citizen paying, you may have about 800 or 900 points, but if on the contrary, you have fallen behind in your payments, the score will decrease. Generally, banks rate and they notice if a client is good when he has an average of 750 to 800 points onwards, an excellent client will have 900 points and more, explains Héctor Delgado, an economic analyst.

How to check the credit bureau score?

To check your credit bureau score, you must first register and create a user. It is done online and then you must submit the printed form for the use of electronic media (blue ballpoint) at the windows.

However, it currently has online activation (via WhatsApp), to the number 0984863621, this with the purpose of verify identity and ownership of the user, once he has registered.

The message through the application must contain the following information:

• Full names and surnames of the applicant
• ID number
• Photograph of the form for the use of electronic media (signed by the holder with a blue ballpoint pen, not in PDF format)
• Photograph of your identity document (both sides, not in PDF)
• Photograph of the user with his ID (selfie type) this to corroborate his identity
• Email.

Dangerous rating in the Credit Bureau of those who fail to pay in deferred debt. These will be reflected after November 12

Once the information has been sent in the correct order, an assistant from the Superintendency of Banks will contact you to proceed with the activation in the system

It should be noted that, on the other hand, the activation in the windows of attention to the creation of the user is immediate and the information owner, since you receive the activation notification to your email, you will be able to access your credit history unlimited and free, indicates the entity.

Tips to avoid lowering your rating in the credit bureau once the term for debt deferral is over

1. Once you have the data obtained, you must enter superbancos.gob.ec
2. Access the section “Online services”
3. click on “Credit Data Record”
4. Click on get into
5. Enter your username and password
6. Enter the number of credit data reports and credit report

Thus, your history will be generated credit.

At 2017, the Superintendency of Banks created its own manual in which it explained how it can be accessed to check the credit history.

How do I improve my score?

The specialists recommend:

1. Catch up on the obligations overdue
2. No cancel all credit operations.
3. Keep at least one credit operation.
4. Always pay on time as we promised to do. (I)