What affects your credit history

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When evaluating us for a loan, banks do not only take into account our debts with other banks.


Putting off paying property tax , failing to pay child support and evading the payment of tax debts have now become good reasons for financial institutions to deny us a personal loan or financing for our own home.
Jorge Olcese, head of the Risk Center of the Superintendency of Banking, Insurance and AFP (SBS) , explains that there are banks, savings banks or edpymes that even take into account unpaid debts to NGOs and cooperatives that provide loans .
ALL REGISTERED Víctor Zavala, legal manager of the Lima Chamber of Commerce (CCL) , indicates that protested (not cancelled) securities , whether checks, promissory notes, commercial invoices or bills of exchange, are also considered in a user's background .
Even our credit history can be tarnished if we have not paid our university tuition on time or if we are behind on rent for our house or apartment, he says.
THE CENTRALS Consumers often henan number screening believe that only overdue debts with companies in the financial system can affect their credit rating. This is not the case, explains Olcese, from the SBS.
Currently, there are two sources of information that help both companies and individuals to identify bad and good payers: the SBS and credit bureaus .
The Superintendency records everything coming from the entities it supervises: banks, municipal and rural savings banks, SMEs, financial institutions, cooperatives, leasing companies, and fund transfer and financial leasing companies.
For their part, the risk centres, in addition to having this data, receive the details of the values ​​protested before the chambers of commerce , as well as other creditors of the system (service companies, Sunat, etc.).
According to Závala, from the CCL, a person who has a business renting apartments can go to a risk center not only to find out if his potential client is punctual with his obligations, but also to register one with payment problems .
ERASE YOUR DEBTS Credit history records are kept in the central offices for five years . If the debtor duly proves that he has already paid off his debts, the information remains for only three years, the CCL states.
The SBS warns that, for example, in order to grant consumer loans, banks usually look at whether the user is up to date with the payment of services (electricity, water, telephone, cable, etc.).