Cómo saber si Estoy en Buró de Crédito: Reporte de crédito con Buró de Crédito y Reporte de crédito con Circulo de Crédito

Tener deudas es una situación que restringe de muchos beneficios, estar bien informado y Cómo saber si Estoy en el Buró de Crédito es indispensable. Conociendo esta información podrás solventar tu situación de deuda y controlar situaciones similares a futuro.

Conoce si te encuentras en el Buró de Crédito en México así como también cómo puedes realizar tu consulta con solo iniciar la lectura de este artículo. Aquí también encontrarás información relevante acerca del Buró de Crédito y del Círculo de Crédito. Así como los costos de este servicio.

ESTO ENCONTRARÁS AQUÍ

¿Cómo saber si Estoy en Buró de Crédito?                             

Conocer si te encuentras en el Buró de Crédito es de las tareas más sencillas, sin embargo requiere de un pago previo del que te contaremos más adelante. Para conocer su estado puede acceder tanto por vía online como telefónica o por mensajería.

La consulta vía online se solicita accediendo a la web oficial del Buró de Crédito, para ello solo tienes que hacer clic aquí. Por su parte, la consulta telefónica se realiza al 01800 640 7920 si te encuentras en el interior de la República y al 5449 4954 si por el contrario estas en Ciudad de México.

Esta consulta telefónica solo puede ser realizada en el horario de atención establecido. El mismo va desde los días de lunes a viernes de 8 a 9pm, los días sábado de 9 a 2pm.

Otra forma de realizar la consulta es usando la mensajería servicioaclientes@burodecredito.com.mx , para ellos deberás llenar el formulario de solicitud y realizar el envío. Recibirás su estado pasados 5 días de la solicitud.

Es importante que te enteres de que la primera consulta que realizas al Buró de Crédito es gratuita, solo aquellas realizadas por correo o teléfono. Necesitarás contar con tu último estado de cuenta y el de tus tarjetas bancarias en vigencia. También puede que te soliciten alguna otra información crediticia acerca de, por ejemplo, hipoteca o automóviles.

Revisar reporte de crédito con Buró de Crédito

Ya que hayas realizado tu solicitud de reporte de crédito y hayas recibido el documento correspondiente, es común que te preguntes cómo se revisa o interpreta este reporte. Para ello presta atención a las indicaciones que te mostraremos a continuación.

El reporte de crédito con Buró de Crédito se consta de varios partes que se interpretan de la siguiente manera:

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Primera: contiene tu información personal tal como tu nombre completo, dirección, RFC, fecha de inicio de historial de crédito, de folio, consulta y nacimiento.

Segunda: contiene una sinopsis de tu actividad crediticia. Si en esta parte aparece una paloma blanca significa que tu crédito está al día, si aparece un reloj quiere decir que el crédito está atrasado. Si notas signos de exclamación quiere decir que te encuentras en problemas de deudas.   

Tercera: cada monto crediticio otorgado desplegará información relacionada tal como la empresa dadora, numero de cuentas y demás características como el mínimo de pago, saldo actual, entre otras.

Ultima: contiene las organizaciones que han revisado tu historial crediticio con Buró de Crédito. No te preocupes, esta acción es totalmente legal pues en los contratos de crédito se plasman estas autorizaciones.

Estas instituciones son quienes te califican en el reporte y es el reflejo de tu comportamiento relacionado con actividades crediticias. Tener conocimiento de estos puntajes es clave para mejorar y tener un excelente historial que te permita poder acceder a préstamos cada que lo necesites.

Revisar reporte de Crédito Especial con Círculo de Crédito                      

Para revisar tu reporte de Crédito Especial con Círculo de Crédito sigue estos pasos:

  • Accede a la web de Círculo de Crédito haciendo click aquí.
  • Una vez dentro deberás hallar la sección de Accesos Directos y luego seleccionar donde indica mi RCE.

  • Podrás conocer los detalles del porqué de tu historial de crédito, da click en Solicita mi RCE.

  • Aparecerá la opción de Califícate la cual te permite conocer tu calificación de crédito dada ciertas instituciones, esta opción tiene costo. Si solo quieres conocer tu reporte da click en No quiero saber cómo me ven los bancos y luego elegir la opción
  • Una vez hecho lo anterior, el paso siguiente es completar las casillas de autenticación de usuario.

  • Ya que el Círculo de Crédito confirme esta actividad el reporte correspondiente se enviará a tu dirección de correo electrónico u otro medio de tu elección.

Costo de consultar el Buró de crédito en México          

Como ya hemos comentado, la primera consulta a tu reporte de crédito es gratuita, por lo que las consultas siguientes tienen un costo. La consulta en el Buró de Crédito tiene un costo de 35.60 pesos mexicanos.

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Por su parte, la consulta del reporte en el Círculo de Crédito tiene costos diferentes:

  • 34.20 pesos por envío al correo por solicitud online.
  • 82.20 por envío a mensajería.
  • 82.20 por solicitud vía telefónica y sucursales.
  • 50 pesos en primer reporte y 82.20 los siguientes solicitados por fax.
  • 190 pesos el primer año y 21.70 los siguientes para reportes solicitados por mensajería especializada.

¿Qué significa Estar en el Buró?   

El Buró de Crédito es una SIC, es decir, una Sociedad de Información Crediticia. Consiste en una organización privada que contiene todos los registros de crédito de los ciudadanos mexicanos. Una vez que adquieres un crédito empresarial o personal, también un servicio telefónico o contrato de igual índole, automáticamente te encuentras incluido en el Buró de Crédito.

Estar en el Buró de Crédito no significa necesariamente algo negativo pues solo es una forma para que las demás empresas e instituciones puedan conocer tus actividades de crédito.

Mediante la calificación que obtengas en el Buró de Crédito podrás tener o no acceso a otros créditos. Esta calificación puede ser buena si estás libre de deudas o malas si por el contrario tienes deudas que solventar.

Puede resultar benéfico estar en el Buró de Crédito pues esto da a conocer que administras de buena manera tus créditos. Para mantener un buen historial crediticio recomendamos mantenerte al día con tus pagos y sobre todo realizarlos puntalmente. Estos van desde lo más simple como el plan de telefonía móvil hasta hipotecas.

Diferencia entre Buró de crédito y Circulo de Crédito 

Aunque el Buró de Crédito y el Círculo de Crédito ofrecen la información de las actividades crediticias de los ciudadanos mexicanos existen ciertos aspectos que los diferencian. Son los siguientes:

Inicios

El Buró de Crédito , en principio, se formó en 1996 como una empresa privada para atender exclusivamente a las empresas. Por su parte, el Círculo de Crédito fue fundado en 2005 que además de atender a empresas atendía las necesidades más amplias en la población.              

Privado versus oficial

El Círculo de Crédito es una empresa privada que brinda a sus usuarios velocidad en la obtención y autenticación de datos. Por su parte, el Buró de Crédito es una entidad oficial.

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Costos de servicio

Tanto el Círculo de Crédito como el Buró de Crédito ofrecen la misma información crediticia y atienden tanto a empresas como a la población en general. Además, ambas ofrecen diferentes métodos para obtener el reporte de crédito. Sin embargo, los costos de este servicio varía de entidad.

Cuánto tiempo duras en Buró de crédito en México                    

Estar en el Buró de Crédito en México significa que alguna vez tuviste una deuda. Si tu calificación es negativa o reciente tu información aparecerá como activa. Sin embargo, según la Ley 2, tus deudas podrán ser borradas dependiendo del monto y este determinará el tiempo del registro.

Las deudas en el Buró de Crédito serán eliminadas según lo siguiente:

  • Las deudas que posean un monto igual o menor a 25 UDIS serán borradas luego de haber pasado un año.
  • Aquellas que posean un monto mayor a 25 UDIS y hasta igualar los 500 UDIS serán borradas luego de haber pasado un año desde la fecha de inicio del crédito.
  • Aquellas que superan montos de 500 UDIS y abarcan hasta 1000 UDIS tienen un tiempo de expiración de cuatro años.
  • Por último, aquellas deudas que superan montos de 1000 UDIS se borran una vez pasados los seis años.
  • No se borrarán aquellas deudas que superen los 400 mil UDIS, tampoco aquellas que se encuentran inmiscuidas en un proceso judicial. Tampoco aquellas relacionadas con fraudes crediticios.

Puede que tengas alguna deuda, incumplimiento o retraso, no tienes por qué preocuparte. Esta situación puede ser solucionada una vez que te pongas al tanto y realices el pago correspondiente.

Esta acción será reflejada inmediatamente en tu historial y mostrará que a pesar de todo eres una persona responsable y capaz de afrontar deudas.

Estar solvente con tus deudas te permitirá, como hemos dicho anteriormente, acceder a nuevas oportunidades de crédito. Un buen historial de crédito, es decir, con buena puntuación, es una buena cara frente a entidades financieras.

Puede que existan situaciones de emergencia que requieran de la solicitud de un crédito para darles solución. Estar solvente en el Buró de Crédito y poseer un historial crediticio saludable es la clave para solicitar un crédito y que sea otorgado si inconvenientes.

Esperamos que hayas entendido Cómo saber si estoy en Buró de Crédito. Cuida tu historial y sigue con nosotros para más información.

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