DataCrédito
Colombia's best-known private credit-reporting bureau, operated by Experian.
DataCrédito records both positive and negative repayment history for Colombian consumers, alongside a second major bureau, CIFIN. Negative listings occur when a creditor reports an unpaid, overdue debt following Colombia's Habeas Data financial law (Ley 1266 de 2008).
A DataCrédito listing sharply limits bank credit but does not close off Colombia's fintech microloan sector, much of which specifically targets thin-file or credit-impaired applicants for small sums disbursed via Nequi or Daviplata.