Conocer qué es la Central de Deudores
Qué es la Central de Deudores
La Central de Deudores del Sistema Financiero es una base de datos donde las entidades financieras y otros proveedores de crédito informan al Banco Central las financiaciones de cada persona de los últimos 24 meses.
La Central de Deudores del Sistema Financiero es una base de datos donde las entidades financieras y otros proveedores de crédito informan al Banco Central las financiaciones de cada persona de los últimos 24 meses.
En esa información se incluyenpor ejemplo:
– Créditos personales y prendarios.
– Saldos de tarjetas de crédito.
– Préstamos hipotecarios para vivienda.
La Central se actualiza mensualmente con los datos que envían: bancosemisoras de tarjetas de crédito o compraotros proveedores de créditofideicomisos financierossociedades de garantía recíprocafondos de garantía públicos y plataformas de créditos entre particulares.
Qué información podés ver en tu consulta
Para consultar tu registro necesitás tu CUIT CUIL o CDI . Al ingresarvas a ver:
– La entidad que informó la financiación.
– El monto adeudado expresado en miles de pesos.
– La situación o calificación que te asignó cada entidad.
– Los días de atraso en el pago.
– Observacionessi las hubiera.
Esta información te ayuda a entender cómo te ve el sistema financiero y es la referencia que usan los bancos cuando evalúan si otorgarte un nuevo crédito.
Cómo se clasifican las situaciones
Si se mira solo la moralas situaciones reflejan el riesgo de incumplimiento de una deuda:
– Situación 1 / Normal | Atraso que no supera los 31 días.
– Situación 2 / Riesgo bajo | Atraso de más de 31 y hasta 90 días.
– Situación 3 / Riesgo medio | Atraso de más de 90 y hasta 180 días.
– Situación 4 / Riesgo alto | Atraso de más de 180 días hasta un año.
– Situación 5 / Irrecuperable | Atrasos superiores a un año.
Además del atrasolas entidades consideran tu estado jurídico la información del resto del sistemala situación con ex entidades en liquidación y las refinanciaciones vigentes.
Más información: texto ordenado (TO) sobre Centrales de Información
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