The permanent monitoring, at least once a month, of the financial information that rests in the risk centers is the number number rule, not only to carry out a control of your personal finances but also to react in time when it detects that third parties have taken credit products in your name without your consent. Something that more and more people are understanding, as warned by Datacrédito Experian, which has just revealed that Currently, more than 10 million Colombians consult their credit history.
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“This means that 1 in 3 Colombians over the age of 20 consult their credit history, obtain information on their open and closed accounts and products, among other options. By knowing this information, people can make informed financial decisions and control their credit lives.explains Jacob Sandberg, vice president of Consumer Services at DataCrédito Experian.
He added that the entity identified that close to 5 million users of midatacrédito are under 35 years of age, and that in terms of geographic location, 51.2 percent of the users are between Bogotá, Antioquia and Valle del Cauca, being These are the regions with the greatest reach, followed by the Atlantic and Cundinamarca.
“These are just two discoveries that show us that Colombians’ interest in taking care of their financial health has increased, while promoting greater financial inclusion at the national level,” the executive explained.
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And it is that through midatacrédito.com people can also generate notifications to prevent identity theft by criminals who, posing as the victim, request a financial product.
“Cybercrime in the financial sector can be largely prevented if we have control over our own credit information,” insists Sandberg.
Other services that are available to people allow to know the credit score, obtain a detailed diagnosis on the credit profile, know the history of the credit score of the last 24 months, and activate monitoring on the exposure of your contact information. digital accounts on the internet such as emails, passwords and personal documents that can be used for fraud.
In addition, you can activate notifications about the opening of accounts or new financial obligations, as well as financial movements to have control over your credit activity, precisely the manager.
Good reputation
As is known, good management of financial and commercial obligations is key to keeping the doors open with formal banking and avoiding having to go to informal lenders, such as drop-by-drop.
In fact, they point out in Datacrédito ExperianThe credit history begins when the decision is made to acquire a credit obligation with any entity or company that grants not only loans but also installment services, providing a commitment to pay.
The way in which these obligations are fulfilled is directly reflected in the credit history and in the rating that credit bureaus assign to it based on its debt payment habits. The higher this will be, the better chances that an entity will give you a loan when you apply.
Hence the need to carry out a correct management of financial commitments, since it generates a reputational guarantee for the owners of the information. and it becomes the gateway to access more and better financial opportunities.
And contrary to what one might think, in Colombia there are more people who have good payment habits than those who do not. The statistics managed by the credit information center indicate that this is the case, since 94 percent of the entity’s reports are positive, It means that the vast majority of Colombians assume financial commitments responsibly.
