INFOCORP Explained: Peru's Credit Bureau and What It Means for Borrowers

INFOCORP, operated by Equifax Peru, is the country's leading credit-reporting bureau, aggregating repayment history reported by banks, retailers, telecoms, and utilities into a score and report that Peruvian lenders consult before approving credit — functionally similar to ASNEF in Spain or DataCrédito in Colombia, though INFOCORP tracks both positive and negative history rather than functioning purely as a delinquency blacklist.

A negative INFOCORP listing ("reportado" or "moroso") happens when a creditor reports an unpaid, undisputed debt past its due date, following the notice procedures required under Peruvian data-protection and consumer-credit regulations. Like similar bureaus across the region, the negative mark is not meant to be permanent and is subject to legally defined retention periods tied to how the debt was ultimately resolved.

For traditional bank lending, an INFOCORP negative report is a significant obstacle — Peruvian banks are conservative underwriters and typically decline applicants with active negative marks. The fintech microloan sector that dominates this site's coverage exists partly to serve exactly this gap: our market analysis found many Peruvian online lenders still willing to extend small, short first loans to applicants with a negative INFOCORP record, treating it as a risk input rather than an automatic disqualifier.

Peruvian consumers have the right to a free INFOCORP report and a formal dispute process, ultimately escalating to the Superintendencia de Banca, Seguros y AFP (SBS) or Indecopi (Peru's consumer-protection authority) if a creditor fails to correct an inaccurate entry. As elsewhere in Latin America, settling the underlying debt is the most reliable path to eventually clearing a negative listing.

For newcomers to Peru — expats, returning migrants, or foreign investors — the practical implication is similar to Mexico and Colombia: a thin or empty INFOCORP file (no history at all, rather than a negative one) is generally not a barrier to Peru's fintech microloan sector, provided you can prove residency, a valid ID, and a Peruvian bank account or Yape/Plin wallet for disbursement.