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Diputados de la Comisión Financiera de la Asamblea Legislativa aprobaron hoy una reforma para que el historial crediticio de los codeudores no se afecte en casos de moras, sino hasta que el plazo de la deuda haya vencido.

La disposición sería el artículo 14-I, como parte de las reformas a la Ley de Regulación de los Servicios de Información sobre el Historial de Crédito de las Personas.

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Actualmente la calificación crediticia de un deudor baja cuando éste deja de pagar su crédito y junto a él la calificación del codeudor o fiador. Con esta disposición, según los diputados, solo se verá afectada la persona acreedora de la deuda.

En la sesión de la Comisión Financiera, los diputados también acordaron que el usuario tendrá la potestad de autorizar o no el uso y la consulta del historial crediticio a los burós de crédito: “Cuando el consumidor o cliente no autorice el uso o consulta de la información por terceras personas, no será causal para que el agente económico le niegue proveerle el servicio o venderle el producto en cuestión”, se lee en el texto acordado.

Además, acordaron que por ley se establecerán oficinas de atención al cliente donde las agencias de información proveerán de su historial crediticio a las personas, para uso propio.

En sesiones pasadas, los legisladores acordaron homologar la ley para dejar tres años a una persona dentro del historial crediticio, sin embargo, al aprobar estas reformas, el usuario podrá hacer de su récord al solicitar un crédito.

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