About the Debtors Database

The Debtors Database of the Financial System contains information on a person’s financing in the past 24 months, as reported by financial institutions and other credit providers to the BCRA.

The Debtors Database of the Financial System contains information on a person’s financing in the past 24 months, as reported by financial institutions and other credit providers to the BCRA.

For example, this information covers the following:

– Personal and pledge loans.

– Credit card balances.

– Home mortgage loans.

This database is updated every month based on the information furnished by banks, credit or purchase card issuing companies, other credit providers, financial trusts, reciprocal guarantee companies, public guarantee funds and peer-to-peer lending platforms.

To access your record, you’ll need to enter your taxpayer identification number (CUIT), your employee identification number (CUIL) or your identity code (CDI). The search results will display:

– The institution that reported the credit product.

– The amount owed, stated in thousands of pesos.

– The category assigned to you by each institution.

– The days past due.

– Comments, if any.

This information helps you understand how the financial system sees you and is used by banks to assess whether to provide you with a new credit product or not.

In terms of delinquency only, categories reflect the risk of default on a debt:

– Category 1 / Performing | Arrears up to 31 days.

– Category 2 / Low risk | Arrears over 31 days and up to 90 days.

– Category 3 / Medium risk | Arrears over 90 days and up to 180 days.

– Category 4 / High risk | Arrears over 180 days and up to one year.

– Category 5 / Bad debt | Arrears over one year.

Apart from any arrears, institutions take the following into consideration: your legal status, the information from the rest of the system, the status with former institutions undergoing liquidation and any active refinancing.

Learn more: Consolidated text on Information Databases