Situación Crediticia (BCRA 1-to-6 Scale)
Argentina's graded debtor-classification system, ranging from 1 (normal) to 6 (irrecoverable), that underlies Veraz and bank lending decisions.
Situación crediticia is the graded classification the BCRA requires every regulated lender — banks, card issuers, and fintechs alike — to report monthly for each borrower into its Central de Deudores database. The scale runs from situación 1 (normal, arrears up to 31 days) through 2 (low risk, 31-90 days), 3 (medium risk, 90-180 days), 4 (high insolvency risk, 180-365 days), to 5 and 6 (irrecoverable, either over a year overdue or owed to an entity that has stopped operating).
This graded structure is meaningfully different from a simple pass/fail blacklist: a borrower a single payment cycle behind (situación 1-2) faces a much smaller obstacle than one with debt written off as irrecoverable (situación 5-6), even though both are loosely described as "estar mal en Veraz" in everyday conversation. Argentine fintech microlenders generally treat a moderate situación as one risk input among several rather than an automatic disqualifier for a small first loan.