In the world of finance, more particularly credit cards and bank loans, one of the most important concepts is credit historythat is why the National Commission for the Protection and Defense of Users of Financial Services (Condusef) has taken the necessary steps so that citizens can consult it.
It will be necessary to specify, before continuing that, according to the body of the Ministry of Finance and Public Credit (SHCP), the credit history is “a record compiled by companies such as the Credit Bureau and the Credit Circle, which details the financial behavior of the users, that is, it reflects the credits contracted, the cards requested, as well as the outstanding balance of debts, the punctuality in which they pay the credits and the consistency with which financial obligations are met.
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It was in the edition of the month of May this 2024 from Protect your money magazine where the National Commission for the Protection and Defense of Users of Financial Services (Condusef) gave the guide to check your credit history, and it is the following:
*Access the official portal of the Credit Bureau or Círculo de Crédito.
*You will have to fill out a form with your personal information such as name,
*CURP, date of birth, RFC, address, telephone and email.
*You will be asked to answer some questions regarding the financial products you have.
*Choose the type of report you want to obtain (the first report is free and subsequent reports will have a cost).
*Your report will be sent to the email address you provided.
It should always be kept in mind that Account holders can check their credit history completely free of charge once a year.this in the Credit Bureau or Credit Circle.
In this sense, it must be taken into consideration that an error is identified in your Credit Report, you can request a clarification from any of the two Credit Information Companies (SIC), for this you will have to send a copy of your history, a copy of your valid official identification, signed claim request and copy of documents that support your claim.
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