Today cobra increasingly more importance the credit history of individuals, so it is important to not be reported adversely to risk plants or (if already is), withdraw its name from the black list of bad payers.
However the path to good credit name is not so easy, according to the law, after paying the obligations in mora, the entity is obliged to inform risk plants and sets a maximum time to keep those negative reports on his record. Deadlines depend on the BlackBerry the person incurred:
When the BlackBerry is less than two years, the report can last up to twice the time that failed to comply with the payment of the obligation and begins to run from the date of payment that your updated. For example, if it lasted in mora 90 days or 3 months, the negative report will last 6 months in Datacredito and other risk plants.
The BlackBerry is more than two years, the report can last up to 4 years from the date of payment of the obligation.
Please note that institutions report the arrears and payments, so that as soon as you pay your debts, the entity will report it, but the important thing for the merchant or the Bank, is not to know if you already paid, but know if history credit, his background in terms of the level of responsibility with regard to the fulfilment of their obligations.
Once paid the debt, you may request a certification of the entity in which appropriation you no longer has outstanding obligations in mora, certification which will undoubtedly require you at banks and companies to verify that you have no debts in arrears pending, which can troubleshoot you temporarily for access to credit , but does not mean they are not evaluated if you are likely to breach their obligations, because the financial past is not deleted with certifications.
This is why if you want to clean credit in your walking remember that you must have patience and at the end of the case, have enough money to write off the debt, which was initially reported.
