How do I know if I am in the Dicom? It is a question that we often ask ourselves given the importance it has for people and companies, since it is associated with a lack of liquidity. In this article we explain how to know if I am in the Dicom Chile step by step!
How to know if I am in the Dicom Chile
Dicom is a division of an international company: Business Information Directory, Dicom for short. It was founded in 1928, however, it was in 1976 when it took this name. Its objective is to maintain a database on the commercial and financial activities of natural persons and companies in Chile.
Now let's answer the big question most people ask themselves: How do I know if I'm in the DICOM Chile. We are going to give you the steps in great detail so that you can clear up any doubts.
The first thing we are going to point out is that we have two options to know if you are in Dicom. We explain the first.
Options for how to know if I am in Dicom Chile
The company that keeps these records is Equifax Chile SA It is responsible for carrying out all activities related to Dicom. Therefore the first option is the governmental one. Free of charge and at least once every four months, Equifax must provide the applicant with the business bulletin.
The steps one by one are as follows:
Equifax
Enter the Equifax web portal through the link that we provide here:
Once on the page, on the left side of the screen, you will find the option titled my business information, for a natural person, you must press the button.
You have already done the first step How to know if I am in the Dicom. Carefully read the rest of the information on the page. At the end you will see a notification that says: Obtain Law 20.575 report, click on that button.
It then takes you to another page. It contains the fields that you must fill out. Do it field by field very carefully so you don't make any mistakes. The requested data refers to personal information: Full name and then marks (Mr. Man) or (Mrs. Woman). You immediately put your paternal surname and continue with your maternal surname.
Next, in the next field you place your rut , the number of your identity card, your marital status and finally you must indicate an email address. Do not ignore this information for anything, since it will be to that email address that your business report will be sent.
At the bottom you need to press the button.
It is then up to you to confirm your identity. Here they ask you some very particular questions that only you can answer. This is to ensure that you are the person requesting the Dicom and not someone pretending to be you. You must mark the circle with the correct alternative.
This is the whole procedure with the first option, as you can see it is very easy to obtain your business report. In this way the question How to know if I am in Dicom Chile, is answered.
How do I know if I am in the Dicom? Now we are going to explain the second option to obtain your business report and find out if you are in Dicom. Many people use this option, as the report they receive is more complete.
Destacame
You must enter the web portal of Destacame through the link that we indicate:
https://www.destacame.cl/
There you must register and fill in the requested fields: Your email address, a password invented by you. Remember to follow the instructions to create this password. Repeat that password and press the button. By clicking continue you accept the terms and conditions of this website.
We continue with the steps to follow: You have already added your email for registration. You will immediately receive a verification message to your email.
Once the email has been verified, it is necessary to confirm your identity, for this you must enter your rut and identity card number.
Finally, you must confirm your address with the address information. Fill out the form and press the “send” button.
With all the registration done, you will receive your most complete commercial report and totally free!
Other ways to know if I am in Dicom Chile
There are other very easy ways to know if I am in Dicom Chile, we detail them below:
1.- By telephone: Just by making a call to the number 700-30-30 from Santiago. If you are in other regions of the country, dial the number 70-30-30 and request the commercial report of your debt, so you will know if you are in DICOM.
2.- In the offices: Go to any of the Dicom offices in the country, by simply presenting your identity card and paying what corresponds, you will obtain your business report.
3.- Banking Entities: Go or phone the bank or financial institution to request some financing, for example a credit card. They will ask you for your rut, at that moment they will offer you information if you have an outstanding debt to pay and you appear on the DICOM list.
4.- Contract services: If you call a telephone company to contract a service, when requesting your rut, they will verify if you are in dicom or not.
5.- ServiPag: You can request your certificate online and make the consultation. You will need to cancel for this service.
More about DICOM
It is important that you are aware that the commercial data of people in default are recorded in Dicom. The data reaches Dicom through national sources such as the Superintendence of Banks and Financial Institutions SBIF, the BIC Commercial Information Bulletin, the Labor Directorate and the Bankruptcy Bulletin.
For banking and financial institutions, the information provided by DICOM is of utmost importance, especially when evaluating individuals for credit, as they can understand the risks they face when entering into contracts with potential clients. Learn more at this link. types of mortgage
Types of debts
It is very important to know the types of debts that are reflected in the Dicom report, we will explain them to you below.
current debt
It is equivalent to the total amount that any natural or legal person owes to a bank and that appears registered in the SBIF.
delinquent debt
Delinquent debt is considered to be the debt that is in arrears in payment from 30 to 60 days.
Expired debt
This type of debt is the one that is between 61 and 90 days past due after the date established for its cancellation.
Debt written off
It is one that is more than 91 days past due.
Debts that lead to Dicom
Next, we are going to indicate what are the debts that can lead you to be in Dicom:
All credits with a State guarantee granted by banking institutions such as mortgage loans, personal loans, for the acquisition of vehicles and other goods, as well as consumer debts with credit cards, subsidies, tax debts and clearinghouse.
Currently, as a result of the Covid-19 pandemic in the world, all countries suffer financial consequences. In Chile, 4% of its inhabitants indicate the impossibility of paying their debts, and many Chileans fear falling into DICOM.
Debts that do not enter the DICOM
According to Law 20.575, the debts that do not enter DICOM are the following:
- Debts with natural persons: Debts contracted for loans between friends, family are not included. as well as those contracted for lease.
- Accounts for payment of basic services such as electricity, gas and water.
- Highway debts or TAG. Electronic toll collection.
It is very important not to be in Dicom. You must be very responsible with the payment of the economic commitments that you acquire. Being on the list of debtors closes many doors. Imagine that you need to request a bank loan to acquire essential goods and you appear on the list? Immediately your request will be rejected, because the bank, when evaluating your ability to pay, will determine that you cannot assume that expense.
According to the foregoing, it is mandatory for financial entities and other public and private institutions to offer information on customers in delinquency.
Below we offer you the following audiovisual material in order to complement what is stated in this important article.
Exit Dicom
If you are in Dicom, surely you are thinking how to get out of Dicom, we leave you below what you should do.
The way to no longer be on the list is to proceed with the payment of your debt. Another way is to report it, that is, request an increase in the deadlines to cancel.
