There is no legitimate way to disappear from those files
En un país donde la pandemia ha dejado a muchos peruanos con deudas difíciles de saldar, ha surgido una forma de fraude que se alimenta de esa desesperación: la promesa de borrar el historial crediticio en Infocorp a cambio de dinero. Infocorp-Equifax advierte que tal promesa es una mentira, pues todo peruano mayor de dieciocho años figura en ese registro sin excepción y ningún intermediario puede alterar esa realidad. El único camino verdadero hacia la recuperación financiera es el de siempre: pagar las deudas, negociar con las instituciones y reconstruir la confianza con paciencia.
- Estafadores se aprovechan de la vulnerabilidad económica generada por la pandemia para ofrecer, a cambio de dinero, algo que simplemente no existe: la eliminación del historial en Infocorp.
- Muchos peruanos, agobiados por deudas acumuladas, caen en estas trampas creyendo que pueden comprar un borrón y cuenta nueva para su récord crediticio.
- Infocorp y su director legal Javier Mori salen al frente con un mensaje claro: la única vía legítima es contactar directamente al banco para pagar, refinanciar o reestructurar la deuda.
- Quienes no conocen su situación crediticia pueden consultar su reporte oficial en infocorp.com.pe/deudas, y quienes ya saldaron sus deudas deben solicitar una carta de no adeudo a su entidad financiera.
- Las deudas impagas dejan una marca de alto riesgo por hasta cinco años, pero una vez pagadas, esa calificación se reduce a dos años, durante los cuales el perfil crediticio comienza a recuperarse gradualmente.
En el Perú de la pospandemia, una estafa silenciosa ha encontrado terreno fértil: la promesa de eliminar a alguien del registro de Infocorp a cambio de un pago. Suena a alivio. Es, en realidad, un engaño. Todo peruano mayor de dieciocho años aparece en ese sistema crediticio, con marcas positivas, negativas o ambas, y no existe ningún mecanismo legítimo para borrarse de él. La única salida real es pagar lo que se debe.
Javier Mori, director legal de Infocorp-Equifax, fue directo: la solución pasa por contactar al banco, saldar la deuda o negociar una reestructuración que se ajuste a las posibilidades reales del deudor. Un buen historial crediticio abre puertas a mejores tasas y condiciones de financiamiento, pero ese historial no se puede comprar a un intermediario que promete milagros.
Para quienes no saben con exactitud cuánto deben ni a quién, existe la opción de adquirir el reporte crediticio oficial directamente en infocorp.com.pe/deudas. Y para quienes ya han saldado sus obligaciones, el paso siguiente es solicitar una carta de no adeudo al banco correspondiente, un documento que acredita formalmente el cierre de esa deuda.
Las deudas vencidas e impagas generan una calificación de alto riesgo que permanece en el sistema hasta cinco años desde la fecha de vencimiento. Una vez pagadas, esa marca se mantiene dos años más, pero el perfil del deudor cambia: ya no es alguien en mora activa, sino alguien que cayó y se recuperó. Con el tiempo, la calificación mejora y el acceso a mejores productos financieros vuelve a ser posible. No hay atajos. Solo el camino lento y honesto de reconstruir lo que se perdió.
Across Peru, a particular kind of fraud has taken hold: the promise to erase you from Infocorp, the country's credit registry, for a fee. It sounds like relief. It is, in fact, a con. Every Peruvian over eighteen years old appears in Infocorp's records—some with positive marks, some negative, many with both. There is no legitimate way to disappear from those files, no process to simply wipe away what you owe. The only path forward is the one that has always existed: pay what you owe, and do it responsibly.
Javier Mori, the legal director of Infocorp-Equifax, put it plainly: the only real solution is to contact your bank directly and settle your debt. A good credit standing opens doors to better financial terms, lower interest rates, more favorable borrowing conditions. The banks see you through the lens of your payment history. That matters. But it cannot be purchased from a middleman who promises miracles.
The pandemic has made people desperate. Economies have fractured. People who once paid their bills on time found themselves unable to. In that vulnerability, scammers have found their opening—the promise that for a sum of money, your debt can vanish, your record can be cleaned, your past erased. It is a lie designed for people in crisis.
There are legitimate steps to take. If you owe money, contact your bank and ask about restructuring your payments or refinancing the debt into amounts you can actually afford. If you do not know what you owe, buy your official credit report directly from Infocorp through their website at infocorp.com.pe/deudas. This costs money, but it is real information from a real source. If you have fallen behind but have now paid everything you owe, request a letter of clearance from your bank—proof in writing that you no longer carry that debt.
Unpaid debts that have gone past their due date carry a high-risk rating in Infocorp's system. That mark stays for up to five years from the date the debt became overdue. It is a long shadow. But there is a path out of it. Once you have paid a delinquent debt in full, the high-risk rating remains for two years from the date you finished paying. Two years is not forever. And during those two years, your status shifts—you are no longer someone in active default, but someone who defaulted and recovered. The risk rating improves. Your creditworthiness begins to climb again.
The lesson is simple and unglamorous: there are no shortcuts. No one can erase what happened. What you can do is stop the bleeding, make yourself whole again, and rebuild trust with the institutions that lend money. That is how you improve your standing. That is how you gain access to better financial products. That is the only real way out.
Citações Notáveis
The only way to settle your debt or improve your financial standing is to contact your bank directly. A good credit rating gives you access to better financial benefits.— Javier Mori, Legal Director of Infocorp-Equifax
A Conversa do Hearth Outra perspectiva sobre a história
Why would anyone fall for this? If you owe money, you know you owe it.
Because desperation makes you willing to believe in solutions that shouldn't exist. The pandemic left people unable to pay. They're not thinking clearly—they're thinking about survival.
So Infocorp is saying there's no way to erase a debt from your record?
Exactly. Every adult Peruvian is in the system. You can't opt out. You can only move forward by paying and behaving responsibly.
What happens if someone pays off a debt they defaulted on?
The high-risk mark stays for two years. But it changes meaning—it shows you fell behind and recovered, not that you're currently drowning.
Two years is still a long time to carry that mark.
It is. But it's finite. And during those two years, your creditworthiness is already improving. You're not stuck forever.
What's the real cost of falling for one of these scams?
You lose money to the scammer and your debt is still there, untouched. You've made things worse, not better.
So the only real solution is to call your bank?
Yes. And if you can't afford your payments, ask about restructuring or refinancing. Your bank would rather work with you than watch you default.