The truthful of the truthful debtors and the easiest way of comparing whether you are part of the registration or not.
It is possible to check if you are in truth for free and simple.
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In an unstable economy like Argentina, it is increasingly frequent for people to contract debts of various amounts. Failure to pay the payment in the financial system and there are even those who can enter the Veraz list.
When we talk about truthful, we refer to the database of the Bank Central that has all the financial information of a person. It is basically the Collection of data on the information of a person’s debt. With the cuil or identification of people you can know if they have paid or have unpaid debts. This system is extremely important for banking and financial entities as it serves to know and evaluate a potential client that asks for a loan or wants to acquire a credit card.
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If a person or company is in the list and want to leave, you must pay the debts. Once the payment is made, it will appear on the list, but with the notice that It no longer has Moors, But since it is not an automatic list it will not disappear instantly.
Although it takes 10 business days to update the information, They can spend up to 24 months so that the person’s history does not continue in the system. However, there is another option to disappear from the list that can be a longer wait: you can choose to wait for the expiration of the debt, something that can take five years. Once that period is fulfilled, the person will not be in the truthful.
Veraz: Debors classification according to delay
Instead of classifying people with active debts for the amount of amount they must, the Truthful It has a classification system that is based on the delay time that the payment they must make has. Six levels of debtors’ classification has the truthful:
- Normal: A delay that does not exceed 31 days.
- Low risk: A delay in the payment that can range from 31 to 90 days.
- Average risk: A delay that can be from 90 to 180 days.
- High risk: 180 -day delay up to a year.
- Irrecoverable: ReELA that exceed the year.
- Unrecoverable by technical disposition: It is considered a debt that contracted with an entity that does not exist anymore.
How long they take to update the truthful data
Veraz updates its data monthly and each person and company can know if it is in the debtors system. The consultation is free and can be done every six months. In case of wanting to check it a greater number of times, it is necessary to pay the report.
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When a person wishes to know if he is inside the veraz list, he must follow these steps:
- Enter the Veraz website.
- Go to the option that says “right of access.”
- Click where it says “exercise your right of access” and then enter “get my pin by web.”
- Then you can enter the pin that will come by SMS and you must follow the instructions to be able to see the full report.
The Central Bank of the Argentine Republic (BCRA) It also allows you to know the data of a person’s financial situation following these steps:
- Enter the BCRA website.
- Click on the option “The BCRA Y VOS” and then go to “Consultation/Debt Central”.
- Enter with the corresponding CIUT or CUIL.
- The system will allow you to know if you have debts, with the information of who registered, the month and how much is the amount.
Source: Ambito
