2023-09-10 00:22:57
If you have a bad credit history, you will undoubtedly find yourself in the Credit bureaueither because you forgot or were late in payments for department stores or bank cards, credits, among others, and by not paying in a timely manner, it will generate negative consequences.
So if the above happens, the person will enter the Credit bureau and will remain there for a period of 72 months, after its settlement date, as reported on the official website of the credit system.
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Which means that the client will be “signed” and during that period of time, you will not be able to request new credit, until the penalty period has ended.
Can you leave the Credit Bureau without paying?
Yes, you can get out of this, without having paid off your debt, but this depends on the amount of your debt, according to the Law to Regulate Credit Information Companiesand according to the National Commission for the Protection and Defense of Users of Financial Servicesa period of time must pass, depending on the amount to be settled.
Debt less than 25 UDISwill be discarded after the year 25 to 500 UDISwill be eliminated after two years Debt greater than 500 and up to 1000 UDISafter four years Debts greater than 1000 UDISmay be eliminated after six years, being less than 400 thousand UDIS, as long as the credit does not face a judicial process and there is no fraud involved.
What are UDIS?
UDIS are Investment Units, whose value is based on inflation, and They are used to settle mortgage loans, commercial and financial acts..
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