If you are one of those who is not used to reviewing your credit history at risk centers on a regular basis, know that, unscrupulous people are always waiting for someone to give them the opportunity, through carelessness or any other reason, to seize their key information and with this take out bank loans and other obligations in your name and without you noticing.
(Also read: Usurers who charge interest above 27.71% in March)
According to Clariana Carreño, manager of DataCrédito Experian Colombia, taking care of personal information, changing passwords or being careful when being a victim of impersonation is not always enough.
The directive points out that a control over the novelties in the credit history helps to prevent cases of fraud and impersonation, strengthening the financial security of people.
(You may also be interested in: If you plan to save through a CDT, keep these recommendations in mind)
However, today the periodic consultation of the credit history helps to avoid identity theft, fraud and other types of crimes that third parties can do on your behalf, and for that Experian-Datacrédito designed a free service so that consumers can receive Alerts about new financial obligations taken without your authorization.
Through www.midatacredito.com, holders will be able to register, free of charge, their emails to receive alerts about new obligations associated with their credit history”, said Carreño.
Step by Step
The risk center provides a step-by-step guide to registering the email in order to receive such notifications or alerts, within 5 business days following the report of the account and without the need to incur any cost.
Natural people:
1. Register at www.midatacredito.com, validating your identity by answering a few brief questions.
2. Once your identity has been validated, look for the ‘Notifications of new obligations’ option.
3. Activate notifications in your mail about new obligations, by clicking on “activate notifications”.
Legal persons:
1. As the legal representative of the legal entity, register on the portal www.datacreditoempresas.com.co, and validate your identity by answering a few brief questions.
2. Once your identity as legal representative is validated, you will receive an email in which you can enter the portal to activate notifications about new obligations.
3. Upon entering the portal and logging in, look for the “Alerts and notifications” option, and you will find the option “Notifications about new openings of obligations in your free credit history” followed by clicking “ON”.
Once the previous steps have been exhausted, DataCrédito Experian will inform you each time new obligations are reported in your credit history.
Impersonation Alerts
The directives of the central indicate that if it has been supplanted, or when it considers that it can be supplanted, through the portal www.midatacredito.com and other channels provided by the company, you can generate an alert in your credit history, so that the Entities that consult your credit history take greater care in verifying the identity before granting a credit.
Each one of the alerts will remain active for 6 months from the moment of its creation, and can be deleted before the term or renewed as many times as required by going to your personal profile within MiDataCrédito Experian.
If the alert is generated by the loss of your documents, do not forget to file the respective complaint online on the page www.policia.gov.co.
If the obligation was opened by an impersonator, they ask you to pay it and report it to an Information Center You must go directly to the entity (bank or business) clarifying the existence of the impersonation, through a request for correction, providing the respective supports that show that he was a victim of impersonation.
Once the entity receives the request, within a period of 10 days, it must compare the documents that support the questioned obligation, with the documents provided by you in the request, which will be taken as summary evidence to prove the falsity.
With your request, the ‘Source’ must modify its reports, reflecting that you as an impersonated person were not the one who acquired the obligations, and must include in your credit history that you were the victim of personal falsehood or impersonation.
Time