Veraz
Argentina's best-known credit-reporting registry, operated commercially by Equifax Argentina.
Veraz has become a generic everyday Argentine term for "having a bad credit record," much like DICOM in Chile. Argentina uses a graded scoring system (situación 1 through 6) rather than a simple listed/not-listed status, and the BCRA separately maintains its own regulatory debtor database that banks must report to.
A negative Veraz situación makes bank credit difficult, but a meaningful share of Argentine fintech microlenders still extend small first loans to Veraz-listed applicants.