Infocorp keeps Peruvian debt data for up to five years

Peruvian citizens' debt information in Infocorp, a credit reporting agency, is retained for up to five years after a debt's due date. This impacts access to future credit. Infocorp records both outstanding debts and payment history, influencing financial product eligibility. Paid debts remain on record for up to two years after payment. Citizens can check their credit reports through Equifax or the SBS. Infocorp's role is to collect and analyze financial data, aiding lenders in assessing creditworthiness. The information helps determine eligibility for loans and credit cards.