How to know if I’m on Dicom: Exit, Debts and MORE

• You must enter the page of Equifax Dicom.
• You must access the section of «Online shopping».
• Then go to the later section where it says «Buy now».
• If you are a natural person, you must select «My Commercial Information».
• Also, you will find the free option that says «Obtain Law 20,575 report.»
• Also, you must make the income and fill in the data to get the report.

• Has to contact the company to whom you owe the money and inquire if the information was sent to Dicom.
• Also, you can go to Equifax branches and make the payment of the certificate of the commercial report with everything related to the debts of the person.
• You can also apply at any commercial store.
• You can do the Request for a credit card in the store and they immediately check if it is in Dicom.
• Likewise, you can contact the telephone company and request the contracting of its services, they request the Rut and review the Dicom to verify if it appears on the list or not.
• Also, you can request the certificate online using this online payment link where you can make the query by paying for it.
• In the same way, you can do it calling the number 700 30 30 from Santiago or 70 30 30 from the regions or via fax to the same numbers. In such cases, you must pay for the information they provide you.

• In principle, for a person to be removed from the Dicom list, what they must do is pay what is owed.
• The person in charge of obtaining the data once the payment of the debt has been regularized, is the company with whom you had the debt. This creditor company has to communicate the payment made.

• Likewise, these data of the debtor are in the Commercial Bulletin, because there are protested checks or promissory notes for a value greater than 300,000, you must go to the Commercial Bulletin and pay for the elimination service and request that the name not appear in the list.
• Also, there is the option to return to agree on the debt with the creditor company, is obliged to remove the data from the Dicom list.
• When there is a settlement or refinancing debt is no longer past due and if your fees are being paid on time.
• The creditor company must remove the debtor from the delinquency records and stop judicial and extrajudicial collection actions.
• Likewise, after five years the document becomes enforceable, the publication has to be eliminated without any formality, if it does not occur then it must be required.
• Likewise, if a check or promissory note when a year has passed and the payment has not been notified, the prescription of this instrument can be notified in an executive judgment.
• In the case of credit card or commercial stores with unpaid debt, you have three years to request the prescription of the debt.
• In addition, the fact of signing debt prepayment documents, where the term to face the debt is increased, since it is not past due, it must cease to be on the Dicom list.

• Debt Valid

This is a total sum without taking into account interest, only principal that a person or company owes to the financial or banking system and that it is registered in the institutions that are under the supervision of the Superintendency of Banks and Financial Institutions (SBIF).

This is a debt that is published in Dicom under the concept of Current Debt, it does not represent a major problem for the debtor, it simply shows the degree of total indebtedness.

• Bad Debt

Is a 30 and 60 day delinquent debt from the date of payment agreed between the parties.

• Expired debt

Is when the late payment is 61 and 90 days from the agreed payment date.

• Debt written off

If he late payment exceeds 91 days from the beginning of the payment date.

• All companies are obliged to respect the rights of consumers and should give the possibility of renegotiating the debt with delinquent customers.
• Also, any debtor can pay before the debt is due, without having to wait for the scheduled deadline. You can do it partially or totally.
• Likewise, all debtors have the right to correct any type of error of collections.
• Likewise, debts that are owed for basic services such as electricity, gas, among others, do not go to the Dicom list.
• It is very important that the consumer read the contracts in detail to avoid future inconveniences.

• Anything related to the transmission of data can only be done from the business or risk assessment entity.
• What’s more, The information cannot be required for the pre-school admission processes, selection of personnel or higher education, etc.
• It also can make the request for information on the data every four months at no cost and must include the name of who has requested the data, the reason for the request, the date and time of the request. Likewise, the person responsible for the delivery of the information.
• There is a person designated by the data banks to appeal when individual rights are made effective or to make a claim.
• Debtors have the right that their data is not communicated once the debt has been refinanced, renegotiating or renewing the obligations of the outstanding debt.
• Likewise, there is the right not to communicate the debts with the highway concessionaires for the use of the infrastructure.
• Likewise, health providers cannot consult the information of any kind. Nor, when they have the consent of the patient.
• If a lawsuit occurs, it must be the company that manages the data that must prove that it acted in protection of consumer data.
• Regarding, debts contracted before 2011 that do not exceed 2.5 million must be erased and cannot be communicated in any way.
• Anyone can ask to be informed of who requested the Dicom information and also know who provided it.
• All this with the purpose that the data of tAll citizens trust that their commercial data is not misused or abused as it happened in previous years.