In Colombia, risk centrals such as datacrédito experience and transunity record the financial behavior of citizens, and knowing from what amount you can be reported is key to maintaining a good credit score and accessing financial products such as credits, cards or even telephone plans.
Risk centrals do not grant or deny credits, but they provide banks, financial entities and companies with a history of your payment behavior. This allows them to evaluate whether you are a good candidate to receive products such as loans or credit cards. Lea: Dates to declare rent 2025: Check your month according to ID
Therefore, it is important to have a positive credit history, since this can facilitate access to opportunities such as mortgage, educational or investment credits.
In accordance with Law 2157 of 2021, a person cannot be reported immediately for debts less than or equal to 15% of a current monthly minimum salary. In 2025, that limit is equivalent to $ 213,525.
However, this does not mean that the debt disappears. The entity with which you have the obligation must send you two notifications on different days before reporting. If, after being notified, you do not make the payment, they will be able to report negatively to the risk power plants.
What does it imply being reported negatively?
If you have a negative report, it means that you have breached payments. This can affect your credit score and limit access to new financial products. On the contrary, if you have complied with your obligations on time, your history will reflect positive behavior, facilitating future approvals. Lea: Dane: Multidimensional poverty in Colombia fell to 11.5% in 2024
How to consult if you are reported in Datacrédito or Transunion?
Thanks to the Habeas Data Law, all citizens can consult their credit history for free once a month.
Consult in Datacrédito:
- Enter www.midatacredito.com
- Enter your ID number.
- Register if you have no account: Provide your name, surname, mail and cell phone.
- Once inside, you can see your accounts open, closed and if you have negative reports.
Note: To know the credit score and more details, a plan is required to pay.
