Maintaining control and permanent vigilance over your financial and credit information is a golden rule that all people must apply, since This makes it possible to verify that unscrupulous people take bank credits or acquire commercial obligations in your name without your consent, and if it occurs, to be able to react in time to avoid reports of arrears to credit bureaus, but more importantly, to notify the authorities and the financial entities themselves of this illegal situation.
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However, consulting credit and financial history is often a costly process because the tools to do so are not at hand. But not a couple of years ago the banks of Bogotá, Davivienda and Bancolombia joined efforts to provide greater services to users of the financial sector, contribute to the protection of their credit informationprevent fraud and impersonation, for which they created SoyYo.
The person only has to install the SoyYo Digital Identity application on their cell phone, take a selfie and register their data to access their financial information for free, easily and quickly.
Although since October 2021 this application began to operate through an alliance with the information center TransUnión,Now that possibility will also be reinforced to Datacrédito, as announced by Santiago Aldana, president of SoyYo, who said that this agreement offered by the platform allows Colombians to consult their credit score once a month for free.
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“Through the SoyYo App, interested people They can verify your credit score information, diagnosis and recommendations against your score. Additionally, from the application they can see a summary of the open accounts; in each one you can see the status of the obligation, payment date and balance in arrears”, explained the manager.
For her part, Clariana Carreño, president of DataCrédito Experian, pointed out that this alliance brings significant benefits for people to take advantage of. “Through Midatacredito.com Colombians can view their credit history for free and up to date, review financial movements and receive notifications about the opening of new financial obligations to determine if they are possible victims of fraud or identity theft.”
How to do it?
1. Enter the application It’s me: or on your mobile phone download the application from the application store, which is available in the Google Play Store, App Store or App Gallery.
2. Enter your personal details and follow each step. SMS validation to the cell phone, selfie to verify your identity and a photo of your ID to finish.
3. Once the information entered and that corresponds to the person carrying out the procedure has been verified, the registration will be confirmed from the application so that you can start using your Digital Identity. When entering the App you will find the option to check your DataCrédito credit history and access the Midatacrédito link.
4. Don’t worry about the security of your information, SoyYo and Datacrédito-Experian guarantee that personal data will remain secure and in this sense, the alliance establishes that only the owner of the information has access through his facial biometrics.
The App remains monitored to keep users’ personal data protected and safeguarded, complying with Colombian legislation, so that the confidentiality, integrity and availability of personal information can be preserved at all times. “At this moment we follow the best security standards and we implement a set of controls that ensure that the person is the sole owner of their information and that only with their clean authorization can their data be shared with allies.”
