Accessing Vehicle Loans with Dicom: Tips and Resources

2024-02-16 22:43:34

Photo: Agency One

Access credit to buy a vehicle while in the business information directoryalso know as Dicomit’s difficult but not impossible.

As the website explains AutoFactthere are three ways in which you could request a car loan while in Dicom:

One option is compensation funds, in which, although a case-by-case evaluation is carried out, appearing in the Commercial Bulletin is not exclusive when requesting credit. It should be considered, however, that to access the loan, you must first be affiliated with a certain fund and meet the requirements established by that entity.

  • Cooperatives of saving and credit

There is also the alternative of savings and credit cooperatives where, after evaluating the applicant’s background, they can grant loans to those who are in Dicom. It should be taken into account that, in most cases, membership is required to request the money.

  • Commercial and financial advisory companies

There is also the option of commercial and financial advisory companies, where after carrying out a study on the user’s economic situation and determining if it is possible to provide them with a loan with Dicom, the maximum amount that can be provided is stipulated. It is important to keep in mind that this alternative may be a little more expensive, since you must pay extra for the financial service.

  • How can I know if I am in Dicom?

One of the main methods to find out if you have debts within the registry is by obtaining the so-called Financial System Debt Report.

This report allows you to review for free the amount of delinquency that a person or an institution may have.

To obtain your report you must enter the Commission for the Financial Market. Once there you have to press “Debt report”. It should be noted that, to obtain the data, it is necessary to have the Unique Key.

According to Law 20,575, every person over 18 years of age has the right to access, free of charge, a report that provides details of all queries made in relation to their RUT.

It is worth mentioning that the website Equifax delivers free financial information.

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