To be able to leave Veraz, you must first find out if you are included in this database. To learn about your private financial information, there are two options explained below.
How to consult the Veraz by the BCRA
To access this information, simply enter your Unique Labor Identification Code (CUIL) or Single Tax identification (CUIT) of any natural or legal person on the page of the Central Debtors of the BCRA. The report is free and instant.
The BCRA report includes bank or credit debts channeled through entities recognized by the State. In other words, they include debts for bank loans or consumption through credit cards and if you have bounced checks.
Central Bank BCRA REM Rates
Ignatius Petunichi
How to consult the Veraz for free
According to Law 25,326 on the protection of personal data, Veraz is required to provide free access to people once every six months. You have to follow ten steps to consult it.
- Call (011) 5352-4800 (Monday to Friday from 9:00 a.m. to 6:00 p.m.) to make use of the aforementioned law.
- A machine will answer, which will grant options as required: if the data query is for oneself, option 1 will be markedbut if it is for another person it will be option 2. You must choose option 1 to consult your own Veraz.
- The answering machine will ask if your query is like individual person (option 1) or if it is in the name and on behalf of a company (option 2). You must choose option 1.
- The answering machine will ask if you are a man (male = option 1) or female (female = option 2).
- Then it will ask you DNI, followed by the numeral (#).
- The answering machine will repeat your ID. you should listen and verify that it is correct. If it is correct, mark 1, if it is incorrect, mark 2 and repeat step 5.
- It will ask you three random questions to validate your identity, They have yes or no answers.
- The answering machine will ask you if you want to do assert your Right of Access and thus obtain your credit report. Since the question is affirmative, I answered yes by marking 1.
- The answering machine will dictate a code, which will allow you to access your report. If you cannot write down, after the message you can request the code by SMS.
- Go to the Veraz page and click on the box Access your Right of Access. Fill in your data and the code provided in the previous step.
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How to get out of Veraz for free
How to get out of Veraz for a non-existent or incorrect debt
There are options to leave due to non-existent or incorrect debt:
- By phone: by calling (011) 5352-4800 from Monday to Friday from 9 a.m. to 6 p.m. You will need to choose the “new claim” option. The operator will offer two options: “update information” or “I do not know debt information”.
Once you have selected the type of claim, you will be connected with a representative of equifax, who will ask you to provide supporting documentation. This procedure has the same steps mentioned above. Again you must call and choose the option “send a supporting document by fax”. By this means, the documents certifying the payment of the debt will be sent.
- By Internet: entering the Veraz claims page. There you must choose the option “information on debts and checks made”. The user must choose, depending on the case, “debt update” or “debt unawareness”.
You have to clarify if you are making the claim for yourself or a third party and, in turn, you must enter your personal data. You also have the possibility of attaching supporting documentation.
Once the process is completed, which lasts between seven and ten business days, your information in the database could change. To follow the process, you must go to the section “Check status/upload documentation”.
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Leaving Veraz for an existing unpaid debt
Like the previous case, there are also two resolution options:
- cancel the debt, which will cause the user to continue to appear in the database for two years (The debt would also appear as payment). And, if the creditor does not notify the payment of the debt, he could continue to be on the list of defaulters. To get out of this state, the steps mentioned above must be followed.
- Do not cancel the debt and thus, you would not appear on the list of defaulters forever. According to the Law, they can be kept for a maximum period of five years. Then, the total suppression of the information that appears about that debt in any database can be carried out, as long as the creditor has not initiated lawsuits or the debtor has started a payment plan. In this case, the statute of limitations would be interrupted.
Source: Ambito
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