Post by nafizcristiano2 on Feb 14, 2024 23:15:04 GMT -6
The history in the Credit Bureau reflects the credit behavior of individuals and legal entities. This information related to payment behavior allows financial institutions to know how they have managed their finances, in order to decide if they are candidates for another loan and at what interest rate. There is a very popular myth about the Credit Bureau and it is that it is a "blacklist" in which people who do not pay or owe money to a financial institution are bulletined. The reality is not like that. Credit Bureau is a Credit Information Society that contains the histories of all the people who have requested a loan at some point. It is important to clarify that it is not bad to have a history in the Credit Bureau , as long as there is punctuality in payments. In fact, having a positive history in the Credit Bureau is good and can open many doors within the financial world. Credit Bureau observation keys Within the analysis of payment behavior carried out by the Credit Bureau, there are classifications that provide a greater degree of detail. Observation keys are one of them.
CV - Account that is not current, sold or assigned to a Credit Bureau user. The user sold his wallet with payment problems to a third party. FD - Account with fraud attributable to the client. The credit was used fraudulently by the client and was declared in accordance with a court ruling. FP - Deposit paid. The client contracted a bond to guarantee compliance Bahamas Email List with payment for a product or service. FR - Award and/or application of guarantee. The asset was awarded by the user or the credit guarantees were applied due to non-payment, through a judicial collection process. GP - Execution of pledge or fiduciary guarantee in payment for credit. The payment of the credit was made through the execution of the pledge or fiduciary guarantee, either on behalf of the grantor of the credit or through a third party. LC - Settlement agreement with payment less than the debt, agreed with the client. The remaining debt was negotiated based on a write-off, forgiveness or discount at the client's request and/or a settlement agreement (reduction).
Not including those restructured accounts derived from a judicial process favorable to the client. SG - Demand by user. Lawsuit filed by the user against the client. The information will be updated according to the result of the lawsuit. UP - Account that causes punishment and/or loss. The total credit balance is reported as a total loss by the user. VR - Dation in payment or rent. Dation in payment offered by the client due to the client's inability to pay or, in the case of mortgage loans, when the user recovered possession of the property through a special collection process and is leasing it to the same client. *Here you can find the complete list of observation keys . Learn more: How to delete deletions from history in the Credit Bureau? How long do observation keys remain in history? According to the Credit Bureau, the information on registered credits is deleted from the database in different periods, according to the amount of debt they maintain. Credits with debts less than: 25 UDIS are eliminated after one year. 500 UDIS are eliminated after two years. 1000 UDIS are eliminated after 4 years. The data of your credits with debts greater than 1000 UDIS are deleted after reaching 6 years, as long as: Are less than 400 thousand UDIS. The credit is not in judicial process. You have not committed any fraud on your credits. * These deadlines have been established by the Law to Regulate Credit Information Companies and by the General Rules issued by the Bank of Mexico. ** UDI value: 6.771105 recommendations 1. Pay on time.
CV - Account that is not current, sold or assigned to a Credit Bureau user. The user sold his wallet with payment problems to a third party. FD - Account with fraud attributable to the client. The credit was used fraudulently by the client and was declared in accordance with a court ruling. FP - Deposit paid. The client contracted a bond to guarantee compliance Bahamas Email List with payment for a product or service. FR - Award and/or application of guarantee. The asset was awarded by the user or the credit guarantees were applied due to non-payment, through a judicial collection process. GP - Execution of pledge or fiduciary guarantee in payment for credit. The payment of the credit was made through the execution of the pledge or fiduciary guarantee, either on behalf of the grantor of the credit or through a third party. LC - Settlement agreement with payment less than the debt, agreed with the client. The remaining debt was negotiated based on a write-off, forgiveness or discount at the client's request and/or a settlement agreement (reduction).
Not including those restructured accounts derived from a judicial process favorable to the client. SG - Demand by user. Lawsuit filed by the user against the client. The information will be updated according to the result of the lawsuit. UP - Account that causes punishment and/or loss. The total credit balance is reported as a total loss by the user. VR - Dation in payment or rent. Dation in payment offered by the client due to the client's inability to pay or, in the case of mortgage loans, when the user recovered possession of the property through a special collection process and is leasing it to the same client. *Here you can find the complete list of observation keys . Learn more: How to delete deletions from history in the Credit Bureau? How long do observation keys remain in history? According to the Credit Bureau, the information on registered credits is deleted from the database in different periods, according to the amount of debt they maintain. Credits with debts less than: 25 UDIS are eliminated after one year. 500 UDIS are eliminated after two years. 1000 UDIS are eliminated after 4 years. The data of your credits with debts greater than 1000 UDIS are deleted after reaching 6 years, as long as: Are less than 400 thousand UDIS. The credit is not in judicial process. You have not committed any fraud on your credits. * These deadlines have been established by the Law to Regulate Credit Information Companies and by the General Rules issued by the Bank of Mexico. ** UDI value: 6.771105 recommendations 1. Pay on time.