How to clean your credit history after paying off your debts

People who fell behind on bank loans, digital wallet credit or other debts can seek to clean up their credit history after regularizing their situation. The Central Bank of Argentina, known as the BCRA, allows requests to correct or remove information in its Financial System Debtors’ Central when the data is incorrect or outdated.

The process is handled online and free of charge. It is not conducted in person or by email. Before starting, borrowers should check the latest month available in the Debtors’ Central. If they paid or regularized the debt after that period, they must wait for the next update.

If the person still appears as delinquent, the first step is to identify the disputed record and submit a formal complaint to the institution that reported it. This could be a bank, card issuer or another credit provider. The complaint should describe the error and request correction or removal. Borrowers should keep the complaint number and any response they receive.

The institution must answer within the deadlines set by financial consumer protection rules. If it does not respond, or if the response is unsatisfactory, the borrower can ask the BCRA to intervene through its online complaint form.

The form requires personal and contact information, along with details of the institution involved, the type of product or debt, the relevant period, the information considered incorrect and the complaint number filed with the institution. Supporting documents must be submitted as readable digital files in the format specified by the form.

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The correction or removal of information published in the Financial System Debtors’ Central, when the data reported by a financial institution or another credit provider was incorrect or not up to date.