In Uruguay, the clearing of reports is a database where the credit and financial records of individuals and companies are recorded. This tool is used by financial and commercial entities to assess the credit risk of a potential client.
If you are looking to apply for a loan or acquire a financial productit is important to know if you are in the clearing of reports to avoid unpleasant surprises.
Next, we provide you with some keys to know if you are in the clearing of reports in Uruguay.
Free consultation on the web
First of all, you should know that in Uruguay there is a free tool to check if you are in the clearing of reports. This is the website of the National Association of Financial Establishments (ANEF), where you can make the query easily and quickly. To access this information, it is necessary that you have your current identity card.
Not all debts are recorded in the clearing reports. In general, those debts that have been contracted with financial or commercial entities and that are in arrears. That is, if you have an unpaid utility bill, this will not appear in the clearing of reports.
Check the information update date
Another relevant piece of information is the update date of the clearing of reports. This record is regularly updated by companies and financial institutions, so it is possible that a debt has already been settled and has not been updated in the system. That’s why it’s important to check the update date to make sure the data you’re looking at is the most recent.
Once you have made the query, verify the information that is shown in the report. It is possible that there are errors or inconsistencies in the data, so it is important that you review the information carefully. If you find an error, you can make a claim to have it corrected.
Plan your payment strategy
If you find yourself in the clearing of reports, the most important thing is that you plan a strategy to get out of there. First, you need to get up to date with your debts and pay off your financial obligations. Once you have settled your debts, it is essential that you request the deregistration of the clearing of reports so that your credit history is clean.
Knowing if you are in the clearing of reports in Uruguay is essential if you are looking to apply for a loan or acquire a financial product. Making the inquiry on the ANEF website is simple and free, and will allow you to have a clear idea of your credit situation. If you are in the registry, it is crucial that you plan a strategy to get out of there and recover your credit history.
