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How to know if I am in the Credit Bureau: All the ways to check it!

You have several methods to know if you are in the Credit Bureau. One of them is by entering their web platform, going to their office, dialing a telephone number from the capital or the interior of the country or sending an email to request information about your credit history. If you are in this registry, you must evaluate if you have a delinquency pending to pay since you will not be able to acquire another loan until you pay off that debt.

All Mexican citizens who have acquired a loan, credit card, telephone service contract or have mortgaged any of their assets will automatically enter this registry. This is because financial institutions will see this data in the Credit Bureau in order to keep a monthly check on the loans granted. If you request a new credit, it will be delivered according to whether your score remains positive or negative.

Requirements

The procedure to consult the Credit Bureau is really simple regardless of the method you choose. Before starting to explain the steps that you must take before each medium, it is necessary to mention the requirements that you must have available to be able to make the query:

  • Official identification (permanent resident card, if you are a foreigner, voter ID or valid passport).
  • Credit card with the limit (information from the latest account statements).
  • Automotive credit number (except if you have more than 6 years of liquidation).
  • Mortgage credit number .

If you do not have any of these credits, you will only have to indicate it on the web platform. Once you have this information, you will have to select the means by which you want to check your credit history.

Steps to follow

In the following sections you will observe different methods to follow to know if you are in the Credit Bureau. You can find out by entering their website, through a phone call or by sending an email to their official address or going directly to one of their offices.

Through the website

According to the Law, you can check your credit history once a year and it is completely free from both the web platform and the mobile application. Having clarified this point, these are the steps you must follow to find out if you are in the Credit Bureau through its website:

  1. Enter the Credit Bureau through thislink and click on ” Get your special credit report.”
  2. Click on ” Get your report now.”
  3. Uncheck theInclude My Score ” box. If you want to obtain it, you must cancel a price of $ 58.00 pesos.
  4. Fill in the personal identification fields.
  5. Download the document with your credit history.

Note: In the Special Credit Report you will find all the details of the credit history and the payment behavior that you have had in the debts. You will know if the credits are up to date, if you have a delay of less or more than 90 days, the amount to pay and the inquiries that financial institutions have made to your history.

Through a phone call

You also have another method to know if you are in the Credit Bureau and it is through a phone call. If you find yourself in the City of Mexico, you just have to call on (55) 5449 4954. On the other hand, if you are in the interior of the Republic, dial 01 800 640 79 20 to request information about your credit history.

Hours of operation are Monday through Friday from 8:00 to 21:00 hrs and Saturdays from 9:00 to 14:00 hrs. The first request you make in the year (12 months) will be completely free. Now, if you make a second consultation in the same period of time, it will have a price of $ 89.00 Mexican pesos.

Sending an email

The official email of Buró de Crédito is servicio.clientes@burodecredito.com.mx. Through this email you can also request the Special Credit Report. However, within the platform they do not specifically specify the response time or that this option is available for this purpose.

Through a postal mail

You can send a postal mail to the address of the Credit Bureau offices in order to request the Special Credit Report. You only have to fill in the fields that are required in the application form (you can obtain it through thislink ) and send it to “Av. Periférico Sur 4349. Plaza Imagen, Loc. 3. Fracc. Gardens of the Mountain. Tlalpan Delegation. CP 14210. Mexico City ”.

Remember to attach a copy of identification and write both the email and the updated contact numbers. You should receive the credit history in a period of no more than 5 business days.

Going to an office

You have the option of going to an office directly to request the credit history immediately. To do this, you must attend with an official identification (as described in the requirements) to the following address : Av. Periférico Sur 4349. Plaza Imagen, Loc. 3. Fracc. Gardens of the Mountain. Tlalpan Delegation. CP 14210. México DF The opening hours are from Monday to Friday from 09:00 to 18:00. and Saturdays from 09:00 to 13:00.

Payments to be made

The first consultation of the Special Credit Report is free only once a year. If you want to make a second consultation, it will have an additional cost depending on the method you choose. In the following list you will see the prices to pay to obtain a second consultation in the Credit Bureau :

  • Internet and mobile app: $ 35.60 Mexican pesos.
  • Telephone and office service: $ 89.00 Mexican pesos.

If for any reason, the platform charges you for the first consultation of the Special Credit Report, carry out the process using other means and explain that it is the first time. On the other hand, if you see any wrong or out-of-date information, call the aforementioned phones to fix the error.

Payment methods

When you make the payment for the second consultation, you must send the receipt to the email servicio.clientes@burodecredito.com.mx. You can make the payment using your credit or debit card or making an electronic transfer in the name of “Trans Union de México, SASIC” to any of the following banks:

  • Banamex: 002180-05418648041-8.
  • Santander: 014180-65501152565-7.
  • BBVA Bancomer: 012180-00134090365-1.

On the other hand, you can also cancel in cash by delivering the money directly to the following address: Av. Periférico Sur 4349 Plaza Imagen Local 3, Fracc. Gardens in the Mountain. Tlalpan Delegation. CP 14210. México, DF The opening hours are from Monday to Friday from 09:00 to 18:00. and Saturdays from 09:00 to 13:00 hrs.

Review the Score

My Score ” is a tool that will allow you to know the score or the score according to the credit behavior of your history. If you have paid the debts on time and do not have a delinquency with a delay of more than 90 days, your score will be positive. Otherwise, you will have a negative score.

If you want to know what your credit history score is, you must first obtain the Special Credit Report and pay the price of $ 58.00 pesos to acquire it. With this information you will be able to know the status of your credit in order to evaluate how likely it is that a financial institution will approve you a new credit.

Importance of consulting the history

The Credit Bureau is not a black list to identify defaulters. In fact, it can be a beneficial tool if you know how to use it to your advantage. If you do not have delays in debts and you maintain a good payment behavior, financial institutions will be able to approve the credit you request more quickly.

Now, if you have not had an adequate payment behavior, then it will be more difficult to acquire a loan through a banking or financial institution. The recommendation is to settle the debts you have pending as soon as possible and follow the recommendations on the page to improve the “Score”.

Fraudulent pages

You must be very careful with fraudulent pages that claim to clean the credit history of Buró de Crédito if you pay a comfortable fee or modest amount of pesos. These platforms only seek to scam and steal the personal data of the people who enter their website. Therefore, enter the Credit Bureau through the link that has been left in the description of the steps.

You have several processes to know if you are in the Credit Bureau quickly, conveniently and easily. The first consultation in any of the methods that have been explained will be completely free and, if for some reason you need to do another updated review, then you will have to pay an additional cost to obtain this benefit.

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