como saber si estoy en dicom

Cómo saber si estoy en Dicom: Guía Definitiva para conocer tu situación crediticia

Si te encuentras en una situación de endeudamiento, es posible que hayas escuchado hablar de Dicom. Pero, ¿qué es exactamente Dicom y cómo puedes saber si te encuentras en su base de datos? En la actualidad, es muy común tener deudas. 

A pesar de los esfuerzos, muchas personas y empresas pueden enfrentar dificultades financieras, lo que puede resultar en retrasos en los pagos y, eventualmente, en estar en una lista de morosos como Dicom. Si te preocupa saber si estás en Dicom, en este artículo te explicaremos todo lo que necesitas saber acerca de Dicom para verificar tu situación actual.

Tabla de Contenido

¿Qué es Dicom?

Dicom es el Registro de Información de Morosidades y Estadísticas de Comportamiento Crediticio, que es administrado por la empresa Equifax. Esta base de datos es utilizada por empresas y bancos para evaluar el riesgo crediticio de las personas y empresas que solicitan créditos o financiamientos. 

En otras palabras, si has tenido atrasos en el pago de tus deudas en el pasado, es muy probable que tu nombre aparezca en Dicom. Esto puede dificultar que obtengas un préstamo en el futuro, ya que las empresas que consultan esta base de datos pueden considerarte un riesgo crediticio elevado.

¿Cómo funciona Dicom?

¿Cómo funciona Dicom?

Dicom funciona como una base de datos en la que se recopila información sobre personas y empresas que han tenido problemas para pagar sus deudas. Esta información es proporcionada por las empresas que prestan servicios de crédito, como bancos y financieras, y se utiliza para evaluar el riesgo crediticio de una persona o empresa antes de otorgarles un préstamo. 

Cuando una persona o empresa incurre en una deuda y no cumple con los pagos correspondientes, la empresa acreedora puede reportar la morosidad a Dicom. Esta información se agrega a la base de datos y se utiliza para calcular el puntaje crediticio de la persona o empresa afectada.

¿Por qué es importante saber si estás en Dicom?

Es importante saber si estás en Dicom porque esta información puede afectar tu capacidad para obtener un préstamo o crédito en el futuro. Si una empresa revisa tu historial crediticio y descubre que estás en Dicom, es posible que decidan no otorgar un préstamo o que te ofrezcan condiciones menos favorables, como una tasa de interés más alta o un plazo de pago más corto.

Además, estar en Dicom puede limitar tus opciones en términos de productos financieros. Por ejemplo, es posible que no puedas obtener una tarjeta de crédito o que solo puedas obtener una con límites bajos y altas tasas de interés. También es posible que algunas empresas te nieguen la posibilidad de contratar servicios básicos, como electricidad o gas, si tienes deudas impagas que aparecen en Dicom.

Otro motivo importante para saber si estás en Dicom es porque esta información puede afectar tu historial crediticio a largo plazo. Si no resuelves tus deudas y sigues apareciendo en Dicom, esto puede afectar tu capacidad para obtener préstamos o créditos en el futuro durante varios años.

¿Qué información contiene el informe de Dicom?

El informe de Dicom contiene información detallada sobre tus deudas y tu historial crediticio. Incluye información como el monto de la deuda, la fecha en que se generó la deuda, el tipo de deuda y la empresa que la reportó. 

¿Cómo saber si estás en Dicom?

Revisa tus cuentas y facturas

La forma más sencilla de saber si estás en Dicom es revisar tus cuentas y facturas. Si tienes alguna deuda impaga, es muy probable que hayas recibido alguna notificación o aviso de cobro por parte de la empresa o institución financiera. Por lo tanto, revisa todas tus cuentas y facturas para ver si tienes alguna deuda pendiente.

Consulta en la página web de Dicom

Otra forma de saber si estás en Dicom es consultando en la página web de la empresa “EQUIFAX” . Para hacerlo, debes ingresar a su sitio web y seleccionar la opción «Consulta de Información». Luego, deberás ingresar tu RUT y seguir las instrucciones que se te indiquen.

Pide tu informe de Dicom

También puedes solicitar tu informe de Dicom, el cual te permitirá conocer en detalle todas las deudas que tienes y cuánto tiempo llevan impagas. Para solicitar este informe, debes ingresar a la página web de Dicom y seguir las instrucciones que se te indiquen. Es importante que sepas que esta opción tiene un costo asociado.

¿Puedo acceder a mi información de Dicom de forma gratuita?

¿Puedo acceder a mi información de Dicom de forma gratuita?

Sí, puedes acceder a tu información de Dicom de forma gratuita una vez al año. Esto se encuentra regulado por la Ley N° 20.575 de Protección de Datos Personales, la cual establece el derecho de todas las personas a conocer, actualizar y rectificar sus datos personales registrados en bases de datos públicas o privadas.

Para solicitar el informe gratuito de Dicom, debes ingresar una solicitud a Equifax Chile, la empresa que administra la base de datos de Dicom. La solicitud debe incluir tu nombre completo, RUT, dirección de correo electrónico y el número de serie de tu cédula de  identidad.

Una vez recibida la solicitud, Equifax Chile deberá entregarte la información correspondiente. El informe incluirá toda la información que se encuentra registrada en Dicom en relación a tu historial crediticio, como deudas impagas, atrasos en los pagos, y otros antecedentes relevantes.

Es importante destacar que si bien el informe de Dicom es gratuito una vez al año, también existe la opción de solicitar informes adicionales durante el mismo periodo, los cuales tienen un costo asociado. Además, la Ley de Protección de Datos Personales establece que tienes derecho a solicitar la corrección o eliminación de información errónea o desactualizada en tu informe de Dicom, por lo que es recomendable revisarlo con regularidad para asegurarte de que la información que se encuentra allí es correcta.

¿Qué documentos necesito para solicitar mi informe comercial?

Para solicitar tu informe comercial de Dicom, necesitarás una copia de tu cédula de identidad y una dirección de correo electrónico.

¿Qué hacer si estoy en Dicom?

Si descubres que estás en Dicom, lo primero que debes hacer es contactar a la empresa que te inscribió para tratar de solucionar el problema. Si logras llegar a un acuerdo, la empresa puede solicitar a Dicom que retire tu información de su base de datos.

Si no puedes llegar a un acuerdo con la empresa, aún puedes tomar medidas para salir de Dicom. Una opción es solicitar la eliminación de tu información de Dicom de forma judicial, lo que puede hacerse mediante un recurso de protección. También puedes esperar a que pasen los años y la información se elimine automáticamente.

¿Cómo puedo saber si una empresa o persona está en Dicom?

Para saber si una empresa o persona está en Dicom, puedes realizar una consulta en línea en el sitio web de la empresa Equifax, que es la encargada de manejar la información del Dicom. Para realizar la consulta, necesitarás ingresar algunos datos personales o de la empresa, como el RUT o la razón social, y pagar una tarifa por la consulta.

También puedes realizar la consulta en forma presencial en las oficinas de Equifax, presentando tu cédula de identidad o el documento de la empresa. Si deseas obtener la información de una persona o empresa que no eres tú, necesitarás contar con su autorización notarial previa para realizar la consulta.

¿Qué puedo hacer si encuentro información errónea en mi informe de Dicom?

Si encuentras información errónea en tu informe de Dicom, puedes solicitar una rectificación de la información errónea. Para ello, debes enviar una carta certificada a Dicom en la cual indiques la información errónea y la corrección que debe realizarse.

La carta debe contener la siguiente información:

  • Nombre completo del titular del informe.
  • Rut o número de identificación.
  • Dirección actual.
  • Teléfono de contacto.
  • Descripción de la información errónea.
  • Corrección que se debe realizar.

Es importante que adjuntes copias de los documentos que respalden tu reclamo. Dicom tiene un plazo máximo de 10 días hábiles para responder a tu solicitud y realizar las correcciones necesarias.

Si Dicom no responde a tu solicitud en el plazo establecido o no realiza las correcciones necesarias, puedes acudir a la Superintendencia de Bancos e Instituciones Financieras (SBIF) y presentar una denuncia. La SBIF se encargará de revisar tu caso y, en caso de ser necesario, aplicar las sanciones correspondientes a Dicom

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¿Qué pasa si estoy en Dicom?

Estar en Dicom significa que tienes deudas impagas o atrasos en tus pagos registrados en la base de datos de Dicom, lo que puede tener un impacto negativo en tu historial crediticio y en tu capacidad para obtener créditos y préstamos en el futuro.

Si estás en Dicom, es importante que tomes medidas para solucionar tus deudas pendientes y limpiar tu historial crediticio lo antes posible.

¿Qué consecuencias tiene estar en Dicom?

Estar en Dicom puede tener varias consecuencias negativas para las personas, especialmente en su vida financiera y crediticia. Algunas de las consecuencias más comunes incluyen:

Dificultades para acceder a nuevos créditos:

Si estás en Dicom, es probable que las entidades financieras te vean como un riesgo y te nieguen la aprobación de nuevos créditos, préstamos o tarjetas de crédito.

Dificultades para arrendar una propiedad:

Muchos propietarios de viviendas o departamentos consultan el historial de Dicom de los arrendatarios antes de firmar un contrato de arrendamiento. Si estás en Dicom, puede que te resulte más difícil conseguir una propiedad para vivir.

Aumento en el costo de los créditos:

Si logras obtener un crédito a pesar de estar en Dicom, es probable que el interés sea más alto, ya que las instituciones financieras ven a los deudores con historial negativo como un mayor riesgo.

Dificultades para negociar con proveedores y contratistas:

Si eres un empresario o emprendedor, puede ser difícil conseguir nuevos proveedores o contratistas si estás en Dicom, ya que se te considera como un riesgo para el pago de tus deudas.

¿Cómo salir de Dicom?

Si te encuentras en Dicom, es importante tomar medidas para salir de esta situación lo antes posible. A continuación, te presentamos algunas opciones para salir de Dicom:

Paga la deuda:

La forma más efectiva de salir de Dicom es pagar la deuda que tienes pendiente. Una vez que la deuda está cancelada, la empresa o entidad financiera que te incluyó en Dicom deberá retirarte de la lista en un plazo máximo de 7 días hábiles.

Renegociar tu deuda:

Si no puedes pagar la totalidad de la deuda, puedes optar por renegociar las condiciones de pago con la entidad financiera. Al hacerlo, podrás establecer un plan de pago acorde a tus posibilidades y demostrar tu intención de cancelar la deuda.

Solicita un acuerdo extrajudicial:

Si no puedes pagar la deuda y no has podido llegar a un acuerdo con la entidad financiera, puedes recurrir a un acuerdo extrajudicial. Este acuerdo se realiza a través de la Superintendencia de Insolvencia y Reemprendimiento (SIyR) y permite negociar una salida para cancelar la deuda.

Recurre a la Ley de Insolvencia y Reemprendimiento:

Si tu situación es más compleja y tienes varias deudas que no puedes pagar, puedes optar por la Ley de Insolvencia y Reemprendimiento (LIR). Esta ley permite a las personas y empresas endeudadas acogerse a un proceso que busca reorganizar su situación financiera y permitirles salir de Dicom.

Recuerda que salir de Dicom no es un proceso inmediato y puede tomar tiempo. Además, es importante que una vez que salgas de esta lista, mantengas un buen comportamiento financiero para evitar volver a caer en ella

¿Cómo puedo mejorar mi historial crediticio después de salir de Dicom?

Una vez que se ha salido de Dicom, es importante trabajar en mejorar tu historial crediticio para evitar caer nuevamente en la misma situación. Aquí hay algunas estrategias para mejorar tu historial crediticio:

Paga tus cuentas a tiempo:

Pagar tus deudas a tiempo es uno de los factores más importantes para mejorar tu historial crediticio. Asegúrate de hacer tus pagos antes de la fecha de vencimiento y de no dejar facturas sin pagar.

Crea un plan de pago:

Si tienes deudas pendientes, crea un plan de pago y cumple con él. Trata de pagar tus deudas más grandes primero y haz pagos regulares para reducir tus saldos.

Usa el crédito con moderación:

Evita solicitar demasiado crédito al mismo tiempo y no uses más del 30% de tu límite de crédito. Mantener bajos los saldos de tus tarjetas de crédito puede mejorar tu puntaje crediticio.

Mantén tus cuentas abiertas:

No cierres tus cuentas de crédito después de pagar tus deudas, ya que la antigüedad de tus cuentas puede afectar positivamente tu puntaje crediticio. Mantener tus cuentas abiertas y activas puede mejorar tu historial crediticio.

Revisa tu informe de crédito regularmente:

Revisa tu informe de crédito con regularidad para asegurarte de que no hay errores. Si encuentras algún error, comunícate con la agencia de informes crediticios para que lo corrijan.

En resumen, mejorar tu historial crediticio requiere tiempo y esfuerzo. Si eres disciplinado y responsable en tus hábitos financieros, podrás construir un historial crediticio sólido y evitar futuros problemas de deuda.

Consejos para evitar estar en Dicom

Para evitar estar en Dicom, es importante tomar ciertas medidas para mantener un buen historial crediticio y evitar el incumplimiento de pagos. Algunas recomendaciones incluyen:

Pagar a tiempo:

La puntualidad en el pago es una de las claves para evitar estar en Dicom. Es importante hacer los pagos a tiempo para evitar retrasos, recargos e intereses moratorios.

Tener un presupuesto:

Llevar un presupuesto ayuda a controlar los gastos y tener un manejo más eficiente del dinero. De esta forma, se pueden prever los pagos y evitar la falta de liquidez en el futuro.

Evitar adquirir deudas innecesarias:

Antes de adquirir una deuda, se debe evaluar si realmente se necesita y si se cuenta con la capacidad financiera para pagarla.

Mantener un buen historial crediticio:

Es importante pagar todas las deudas y obligaciones en tiempo y forma para mantener un buen historial crediticio. Esto puede ayudar a obtener mejores condiciones de crédito en el futuro.

No sobreendeudarse:

Es importante tener un equilibrio entre los ingresos y los gastos, evitando el sobreendeudamiento. No se debe comprometer más del 30% de los ingresos en el pago de deudas.

Pedir ayuda si se tiene dificultades:

Si se tiene dificultades para pagar las deudas, es importante buscar ayuda y asesoría para encontrar soluciones antes de que la situación se agrave y se entre en Dicom.

Siguiendo estas recomendaciones, se puede mantener un buen historial crediticio y evitar estar en Dicom.

Estar en Dicom puede ser una situación incómoda y difícil de manejar, pero existen opciones para salir de ella. Lo más importante es estar informado y buscar la asesoría de un experto en deudas para tomar las mejores decisiones. 

Además, es recomendable prevenir estar en Dicom manteniendo una buena gestión financiera y evitando adquirir deudas que no se puedan pagar. Recuerda que la gestión financiera es una habilidad que se puede aprender y mejorar para tener una vida financiera más saludable.

Si necesitas asesoría legal para solucionar deudas pendientes y limpiar tu historial crediticio, ¡no dudes en contactarnos! En Equipo Defensa contamos con un equipo de abogados expertos en derecho de deudas y podemos ayudarte a encontrar la mejor solución para tu caso. 

No dejes que una deuda arruine tu vida financiera, ¡contrata nuestros servicios y recupera el control de tus finanzas!

¿Buscando una solución para tus deudas?

Nuestros especialistas en defensa de deudas están listos para ayudarte. 

Arturo Valenzuela
Artículo escrito por:
Arturo Valenzuela Sáez

Abogado, Gerente Legal y uno de los socios fundadores de Equipo Defensa.

Trabajó, por alrededor de 20 años, en distintos Servicios de la Administración Pública, camino que lo hizo interesarse en los diversos procesos informáticos por los que tuvo que ir migrando, llegando a ser Consultor Funcional Experto para SOAINT, esto lo ha llevado a especializarse en el campo de las Legal Tech.

¿Buscando una solución para tus deudas?

Nuestros especialistas en defensa de deudas están listos para ayudarte. 

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