You have surely heard about credit bureaus, but you don't know what they are. Financial companies always evaluate the ability of their potential clients to meet payments, but very few people know how they do it without you providing them with this information.
Companies can consult the Bureau on the official pages of the credit bureau, although there are websites that offer free guides such as the web comochecar.com
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In this article you will find:
What is a credit bureau?
It is the part that is responsible for integrating the credit history of a person together with the companies that provided such service. It is a society that collectsinformation about credit payments of Mexican citizens, and are regulated under the law of organizations such as Banco de México or the National Banking Commission.
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How do I enter the credit bureau?
All people who make an application for a loan or other types of financing will enter automatically. Although many think otherwise, not only are debtors on this list.
Being public knowledge, financial companies can evaluate the possibility of offering you the requested credit or not. It is a means for entities of this type to consult this information before granting a loan.
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What information does the credit bureau offer?
They do not offer too complex information, beyond your behavior with payments to other credit institutions previously. Although this may affect whether an entity does or does not grant you a loan, everything is completely legal.
In this link you can review the credit bureau for free:
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https://comochecar.com/buro-de-credito/checar-buro-de-credito-gratis/
Among the data found in the report that financial companies receive are these:
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- Amount of credits requested by the applicant.
- Amount of credits granted to the applicant.
- Record of payments, including delays, punctual payments and patterns between both behaviors.
- Reports on when and how much you have paid.
- If a financial company had to take legal action against you.
- Amount of last payment made by the debtor, and what is the balance of this.
Better ways to get into the credit bureau
Do you want to ask for a big loan, but you do not appear in the credit bureau? This can be a reason to receive a refusal, the ideal is that, if you have never had a loan, start with a small one, no matter the amount, the important thing is that your name appears in the bureau.
Make sure you make each payment on the correct dates, without delays or advances. The idea is that everything looks correct, and thus the opportunities will be greater.
Avoid the flow of visits to your credit bureau
This society also keep a record of the companies that observe your dataTherefore, if you are looking for a loan, investigate the entities before making an application. The fact that many financial companies come to see your record in a short period of time can be counterproductive, and gives you a bad image in the face of them.
Keep in mind that the score of your history depends on certain factors such as the available limits for emergencies, payment proportions (from minimum to required) along with your seniority credit.
Can I check my credit bureau?
On the internet there are many platforms that claim that they can eliminate everything bad that involves you in the credit bureau. Some even that can get you out of the system, but you should not trust this because it is only deception.
If what you want is to know what data is stored in this list, you just have to enter https://www.burodecredito.com.mx/ its official website. Access directly from there, since there are many fraudulent platforms that only seek to hack you and steal your data.
How are the credit bureau and credit circle different?
Both listings register the same information, and have the same purpose, however, the prices are different in each one. In addition to the payment behavior you have and your credit history, it also offers companies a risk key with respect to your credit behavior.
In a way, the biggest difference between the two entities is the competition that exists to see which offers better services to loan platforms and individuals who want request it.
The credit bureau is not a blacklist or anything similar, it is simply a record of your credit behavior at the time of paying the debts. If you have never had problems with this type of issue, and you are very responsible with the payments to be made, you do not have What to worry about, loan companies will not consider you as a bad candidate, but everything contrary.
