DICOM
Chile's best-known credit-reporting registry, operated commercially by Equifax Chile.
DICOM records unpaid, overdue debts reported by creditors, and — as widely (if imprecisely) understood in everyday Chilean Spanish — "estar en DICOM" means having a negative credit record on file.
A DICOM listing makes bank lending difficult, but our market analysis found a meaningful share of Chilean fintech microlenders still consider DICOM-listed applicants for small first loans. Chilean law requires listings to be accurate and removed once debts are settled.