burodecredito.com
What burodecredito.com is (and what it isn’t)
When people say “Buró de Crédito” in Mexico, they’re usually talking about the credit history database that lenders consult when you apply for a loan, credit card, or financing. The official consumer-facing site is Buró de Crédito’s website, which explains that Buró de Crédito is a “Sociedad de Información Crediticia” that compiles and provides credit history information, and that you appear in the bureau as soon as you have credit activity—not only when you miss payments.
The site also makes an important point that’s easy to miss in everyday conversations: Buró de Crédito does not approve or deny credit. Lenders make their own decisions using your bureau information plus other factors like income and internal policies.
The core product: your Reporte de Crédito Especial
For most individuals, the main reason to use the website is to request the Reporte de Crédito Especial (RCE). This is essentially your personal credit report as maintained by Buró de Crédito, showing accounts, payment behavior, balances, and a record of who has reviewed your file. The site spells out a key consumer right: you can obtain the report free once every 12 months, and additional online requests within that period have a published cost (the site lists $35.60 MXN for extra consultations).
The report is useful in very practical situations:
- You want to see what lenders will see before you apply for a mortgage, auto loan, or credit card.
- You were denied and want to confirm whether the report shows late payments, high utilization, or something else that could trigger a rejection. The site even notes that if your report looks clean, the lender may simply be targeting a different profile.
- You want to verify that accounts listed are actually yours and that balances and payment history are accurate.
Identity verification and the information you’ll need
Buró de Crédito emphasizes that identity validation is required to access products and services, and that you’ll need to enter personal data and details about your credit accounts. In real life, that means it helps to have a recent statement nearby so you can input account information correctly. The site’s help content repeats that this validation is tied to security and the legal framework governing the bureau.
This is one of those steps people rush and then get stuck. If you mistype account amounts or provide outdated information, you can run into failed validation. So if you’re using the site for the first time, plan to do it in one focused session with your documents open.
“Mi Score” and how to think about it
Beyond the report, the site offers Mi Score, described as a credit score based on how well or poorly you manage credit.
The part that matters for day-to-day decisions is how score movement can be misunderstood. The website clarifies that checking your own Reporte de Crédito Especial does not affect your score. What can affect it is when multiple lenders pull your file within a short period.
So the normal pattern is: self-check as often as you need (within pricing limits), but be more deliberate about submitting many credit applications at once because lender inquiries can add up.
Fixing errors: reclamaciones and self-service help
If something on your report looks wrong—an account you don’t recognize, a payment status that doesn’t match your records—the site routes users to reclamaciones (disputes/claims) and also provides guidance to interpret the report.
This matters because confusion often comes from not knowing what a field means. The website points to tools like an interpretation guide and an online advisory concept (“Tu Asesor”) meant to help users understand what they’re reading in the report.
A realistic approach is:
- Get the RCE and read it carefully.
- Separate “I don’t like what it says” from “this is inaccurate.”
- If it’s inaccurate, use the reclamation/dispute process and keep your supporting documents ready.
How long negative information stays on file
A common myth is that debts “disappear” quickly or that paying a service to “erase” history is normal. The Buró de Crédito help center provides a more grounded explanation: information can be removed from the bureau database after different periods depending on the amount owed, expressed in UDIS thresholds. The site gives examples, including that small amounts can be removed after one year, larger after two, and some after four years (with the thresholds shown on the page).
The practical takeaway is that timeframes depend on the specifics, and you should treat anyone promising instant removal as a red flag. If you want to understand your own situation, the cleanest step is still to look at your report and, if needed, file a formal dispute for errors rather than chasing shortcuts.
Services for companies: portfolio, fraud prevention, and prospect checks
Although many users land on the site for personal reports, Buró de Crédito also markets services to businesses—especially around evaluating customers, managing risk, and reducing fraud. The “Empresa + Buró” section describes use cases like anticipating non-payment risk, managing credit limits, and improving collection and portfolio strategies.
There are also product pages aimed at businesses that want updated credit history for prospects or customers (for example, “Informe Buró”).
If you’re a small business owner, the important point is that these services are not generic “background checks.” They’re structured around credit risk and are meant to be used within consent and regulatory rules, not as a casual screening tool.
Government context and why the bureau exists
If you want a neutral framing, Mexico’s consumer financial authority CONDUSEF describes the bureau function as collecting credit history information for individuals and companies and sharing it with financial institutions when requested.
This helps clarify what the bureau is designed to do: it’s an information system. It doesn’t “punish” you by itself, but the data it holds can influence what lenders offer you and on what terms.
Key takeaways
- Buró de Crédito’s site is mainly about accessing your Reporte de Crédito Especial and related tools, not “getting approved” for credit.
- Your report is free once every 12 months, with a posted cost for extra online requests in the same period.
- Checking your own report does not affect your score; multiple lender inquiries in a short time can.
- The site provides paths for disputes (reclamaciones) and guidance to interpret what you’re seeing.
- Record-removal timing depends on the size of the debt and is not an instant, “pay-to-delete” process.
FAQ
Is “being in Buró de Crédito” a bad thing?
Not inherently. The site explains you’re in the bureau once you start using credit. Your report includes both on-time and late payments, so it’s more about what your history shows than whether you exist in the system.
Does Buró de Crédito decide if I get approved?
No. The site states its role is to deliver your report to lenders you authorize; lenders decide based on their own policies plus other factors like income and profile fit.
How often can I get my Reporte de Crédito Especial for free?
The website says you can get it free once every 12 months, and that additional consultations during the same period have a listed online cost.
If I check my report several times, will my score go down?
The site states that your own consultations don’t affect your score. Score impact is associated with multiple lenders reviewing your history over a short period.
What should I do if my report has an error?
Use the site’s reclamation/dispute path and rely on the interpretation resources so you can point to specific inaccuracies. Start by getting your RCE, then document what’s wrong and what evidence you have.
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