The theme of Credit bureau It can be stressful when you need a loan, but when checking your credit history it is reported as bad, so you are denied more credit or financing.
This leads people to wonder how to get out of the Bureau, while others want to know how to get out of it without having to pay the debts, therefore, in The Truth News We will give you the answers to these questions.
The reality is that the vast majority of people acquire a negative history in their Credit Bureau when they take out a product in installments and over time stop paying it, but they still hope to get out of the blacklist for free without having to pay their bills. past debts; but how possible is this?
Can I leave the Credit Bureau without paying my debts?
The most frequent question is whether you can leave the Credit Bureau without paying.
This is one of the most frequently asked questions among defaulters, and the answer is a resounding NO. The only way to stop having a bad credit history is to pay what is owed so that it reflects good behavior as a debtor that indicates that you are someone who should lend to.
Responding to how do I know if I am in the Credit Bureau for free? you can approach a Credit Information Society, or enter one of the official pages of Credit bureau and Credit CircleIn addition, you can obtain your Special Credit Report for free every 12 months.
How can I have a good Credit Bureau?
Obtaining a good score in the Credit Information Bureau, this is achieved when you have credit operations and payments that are made in a timely manner, it is enough to contract a telephone plan, use credit cards and take advantage of the interest-free months to that the reports in the Credit Bureau are good.
It may interest you: How long does it take to get out of the Credit Bureau and what happens with the debt?
How long does it take for you to be deleted from the Credit Bureau?
You can stay from 72 months to more in the Credit Bureau.
The credit history will be in the database for 72 months, which are counted from the settlement date, as long as the Credit Grantor has reported the closing date or the last time it reported to the Credit Bureau.
Are the credits registered in the Credit Bureau eliminated?
The registered credits are eliminated from the Credit Bureau’s database in different periods.
Small debts to:
- 25 UDIS or less, but more than $0.00, are removed after one year.
- 500 UDIS, plus or minus $2,260, is phased out after two years.
- 1000 UDIS, plus or minus $4,520, is phased out after 4 years.
Debits greater than 1000 UDIS They are deleted when they reach 6 years in the Credit Bureau database as long as:
- They are less than 400 thousand UDIS, more or less, $1.7 million pesos.
- The credit is not in judicial process.
- You have not committed any fraud in your credits
So that you are not confused about what your debts are, you can Check the Credit Bureau from your cell phone following these steps:
- Download qip.
- Register in the app.
- Enter your report in the Credit Bureau.
- Go to “Get my report”
- Receive the PDF with the complete report of your credits and debts in your email.
But keep in mind that whether you remain in the Credit Bureau will depend on each company, since they are the ones that detect your debt and report it to the Bureau as bad credit behavior.
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