How can I be removed from the Credit Bureau?

What is the Credit Bureau?

The Credit Bureau is a database where delays in payments are recorded for individuals who have not paid their loan installments to banks or non-banking financial institutions (IFNs) on time, as stated in their credit contracts.

Who can register you in the Credit Bureau?

Only financial institutions and banks where you took out a loan and registered delays in payments can register you in the Credit Bureau. Debt collectors or judicial executors involved in debt recovery during foreclosure proceedings cannot register you.

How can I be removed from the Credit Bureau?

If you have negative entries in the Credit Bureau, you will only be able to take out new loans if those entries are deleted.

To be removed from the Credit Bureau, you must first understand your current or past credit situation at the time you request the deletion of negative reports.

You can check your credit situation by creating a profile on the Credit Bureau's website and requesting your Credit Bureau report directly online, by sending a letter to the Credit Bureau's headquarters, or by using legal services such as filling out our contact form.

Once you know which institutions have registered you in the Credit Bureau, you must address them with a formal request to delete the entries. This request can be made by the individual registered with the Credit Bureau or by an authorized person, such as a lawyer, who can submit a well-founded request based on the specific situation of each person.

How long are records maintained in the Credit Bureau?

Negative entries in the Credit Bureau are not kept indefinitely. They are maintained for a period of 4 years from the date of registration, after which they are automatically deleted.