- Category: Getting Along
- Published on Saturday, June 09 2012 04:05
- Written by Rod Hughes
- Hits: 808
As of June 1, consumers may now check on their credit rating through their financial institution pages on the Internet. The program instigated by SUGEF, the financial institution watchdog agency, is call "Citizen's Credit Report."
The report may be obtained by accessing www.cic.sugef.fi.cr/cic_ciudadano through one's computer Internet connection and a digital signature device.
One will need a digital signature to obtain access, for example the link above does not work in a normal browser. Access is restricted solely to the pertinent individual and is denied idle eyes. Digital certification is obtained at a registration office where one learns of what documents are required -- by appointment only though.
The appointment may be made through the following financial institutions: BAC San Jose, Banco de Costa Rica, BCT, Bancredito, Banco Nacional, Popular, Lafise, Promerica, Coopenae, Grupo Mutual and INS.
The CIC has been in use by financial institutions since 2006. The credit rating system provides them with current debt amount, a risk classification, the previous 4 years of credit history and information on entities that have queried the individual's report. This information does not include credit given by entities that are not supervised by SUGEF, for instance credit at appliance stores or personal loans. However credit card debt is included, as well as loans issued by private and state-owned banks.
The SUGEF web site also states that interested citizens may obtain their own credit report through any supervised financial entity by presenting their cédula or identification. Which would make getting the report somewhat easier for those not interested in obtaining a digital signature.