With El Veraz, you can view your credit history for free every six months and correct any errors or debts reported by your financial institution.
October 11, 2025 – 7am
he sincerity It is one of Argentina’s main credit databases, concentrating financial information on individuals and businesses. This is used to evaluate payment behavior and determine the creditworthiness of each user within the financial system. By looking at the report itself, you can find out which organization is reporting the debt, if there are any errors, or if any history is recorded that could affect your ability to obtain credit, cards, or banking products.
El Veraz collects data from Banks, financial institutions, public and private institutions. Its function is to provide a detailed credit profile of each person or business. In reality, your information affects your chances of accessing a loan, card, or financial plan, as companies refer to their databases before granting you financial products.
Having a default-free history makes it easier to access credit and credit. better financing conditions. On the other hand, having outstanding debt can limit your possibilities, lower the amount you’re offered, and lead to higher interest rates. Therefore, reviewing and keeping information up to date is essential for anyone participating in the formal financial system.
How to use your ID to consult Veraz for free
As stipulated by Law 25,326 on the Protection of Personal Data, access to Veraz’s personal reports is available free of charge once every six months. Management can be done by phone or online. Bella’s official website.
for Talk to Bellas and DNIIf so, you need to follow these steps:
- Visit Veraz’s official website (www.veraz.com.ar).).
- Select the “Personal” option, then select “My Truth.”
- Fill out the form with the necessary personal data such as document number, date of birth, and email address.
- Verify your identity by answering three secret questions about your credit history.
- Exercise your legal access rights to request a free report.
Once the process is complete, you can download a complete report with the following details:
- Personal data and marital status.
- Corporate Participation or Commercial Relationships with Third Parties.
- Financial history, products purchased, and compliance with obligations.
- Information provided by central banks, AFIP and other bodies.
- Checks that have been declined within the past 24 months.
- judicial or extrajudicial processes related to economic matters;
- Bankruptcy or Bankruptcy Proceedings.
You can also apply for free by calling (011) 5352-4800 during business hours from Monday to Friday. During the call, you will need to confirm your personal data and answer verification questions. Next, you will be asked for the corresponding code to download the report. Official website.
How to fix errors or non-existent debts in Veraz
If detected by the user incorrect information or debt If it has already been canceled, you can file a complaint requesting an amendment. There are two ways: by phone and online.
- By phone: Please call (011) 5352-4800 and select the “New Claim” option. The system will request documentation to support your order, such as a payment receipt or certificate issued by your creditor.
- online: This process is performed through the Veraz billing portal. There, select the category “Information about debts and issued checks” and select the suboption “Update” or “Ignore debts” as appropriate.
The review and verification process typically takes 7-10 business days. If approved, the database will be updated and a new version of the report will be issued that does not contain the erroneous records.
What to do if the debt is true
If the reported debt actually belongs to the owner, there are two possible paths depending on whether the pending debt is cancelled.
- Debt canceled: He will continue to appear on Bella’s for two years, albeit as a “payer.” After this period, you can request permanent removal from the registry.
- Unpaid debts: Information is stored in our database for up to 5 years. After this period, you may be requested to delete your data, even if the debt remains unpaid.
The scheme is regulated by the Privacy Act and has a retention period for negative records.
Alternative contact: Central Bank Debtor Center
In addition to Veraz, the Central Bank of the Republic of Argentina (BCRA) also offers free tools to find out the credit status of individuals and businesses. it is, The central debtor of the financial systemsee your active debt, outstanding amounts, and level of credit risk.
To access it from the BCRA website, enter the holder’s CUIL or CUIT number. The system shows the entity reporting the debt, the current status of the credit (current, canceled, or past due), and the assigned classification. This information is public and updated monthly.
Please consult. sincerity You can also use Debtors Central to anticipate potential problems when requesting credit or cards. It also helps you detect errors, prevent fraud, and maintain control over your finances.
Financial institutions, service companies and public institutions use this data risk analysis. Therefore, it is a good idea to have up-to-date information to avoid surprises when managing your financial products or renting your property.
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