Pay close attention to your credit profile

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In 2013, around two million people joined the financial system. More than half of the clients are between 18 and 35 years old.

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PERU21 Editorial
Update Date
08/26/2019 - 06:37
Fabiana Sanchez fs
In Peru, 73% of the population that belongs to the financial system is at medium and low risk levels , says Experian, a company specialized in providing information on risk.
In this regard, ESAN University Finance professor Jorge Guillén recalls that if a person is 90 days late in paying their debts , the financial institution will india number screening report the default to a credit risk agency and this will increase their credit risk .
You should keep in mind that a delinquent profile may complicate future financing applications .
Guillén also points out that it is healthy to control spending and warns that having many credit cards in your wallet does not help that purpose.
"We should try not to access this instrument in every store we go to and even less frequently to purchase items of little importance," he says.
He also advises that it is preferable to borrow in soles . This measure will ensure that, during periods when the exchange rate appreciates, payments will not be affected and, therefore, the risk will not be affected.
CONSIDERATIONS Experian's general manager, Ricardo Martínez, says that financial companies are betting on including among their clients young people who do not have high income levels and who live in the interior of the country.
He reveals that 57% of new clients are between 18 and 35 years old. Meanwhile, 97% earn less than S/.1,499 . He explains that only 38% of these people are located in Lima and Callao.