INFOCORP
Peru's leading credit-reporting bureau, operated by Equifax Peru.
INFOCORP tracks both positive and negative repayment history for Peruvian consumers, similar in structure to DataCrédito in Colombia. A negative listing ("reportado") significantly reduces access to bank credit but is treated as a risk input, not an automatic block, by much of Peru's fintech microloan sector.
Peruvians have a right to a free annual report and a formal dispute process, ultimately escalating to the SBS or Indecopi if a creditor fails to correct an inaccurate entry.