How to consult Veraz for free using your identity and canceling debts or errors from registration

El Veraz allows you to review your credit history for free every six months and correct errors or debts reported by financial entities

10/11/2025 – 07:00 AM

he honest It is one of the main credit databases in Argentina and focuses financial information on people and companies. It is used to evaluate payment behavior and determine the credit capacity of each user within the financial system. Looking at the report itself lets you know who is reporting debts, if there are errors or if a date has been recorded that could affect access to credits, cards or banking products.

El Veraz collects data from Banks, financial institutions, public and private organizations. Its mission is to provide a detailed credit file for each person or company. In practice, your information affects access to loans, cards or financing plans, as entities review the database before granting the financial product.

Having a record of no default facilitates access to credit and Better financing conditions. On the other hand, having unpaid debts can limit the possibilities or result in lower amounts and higher rates being offered. Therefore, reviewing and updating information is essential for anyone involved in the formal financial system.

How to consult Veraz for free using your ID card

The Veraz Personal Report can be accessed free of charge once every six months, as provided by Law No. 25326 on Personal Data Protection. Administration can be done by phone or online from Ferraz’s official website.

to Consult Veraz with DNIThe following steps must be followed:

1. Enter the official Veraz website (www.veraz.com.ar).
2. Choose the “Individuals” option, then “Sadiqi”.
3. Complete the form with the required personal data, such as document number, date of birth, and email.
4. Verify identity by answering three security questions related to credit history.
5. Request a free report invoking the right of access provided by law.

Once the process is complete, a full report with details can be downloaded:

• Personal data and marital status.
• Participation in corporate or commercial affiliations with third parties.
• Financial history, products purchased and compliance with obligations.
• Information provided by the Central Bank, AFIP and other entities.
• Declined checks within the last 24 months.
• Judicial or non-judicial processes related to economic issues.
• Bankruptcy or insolvency proceedings.

It is also possible to apply free of charge over the phone by calling (011) 5352-4800, Monday to Friday during business hours. During the call, you must confirm personal data and answer validation questions. After that, the corresponding code is required to download the report from a file Official website.

How to correct errors or debts that do not exist in Veraz

If the user finds out Incorrect information or debts that have already been cancelled, you can file a claim to request correction. There are two methods available: telephone and Internet.

• By phone: You can call (011) 5352-4800 and select the “New Claim” option. The system will request documents that support the order, such as payment receipts or certificates issued by the creditor.
• connected: The process is carried out from the Veraz claims portal. There you select the category “Information about debts and executed checks” and then the sub-option “Update” or “Ignorance of debts”, as appropriate.

The review and verification process usually takes 7 to 10 business days. Once approved, the database is updated and a new version of the report is issued without the erroneous records.

What to do if the debt is real

When the reported debts are actually owned by the owner, there are two possible paths depending on whether the outstanding obligation has been canceled or not.

• Cancelled debts: The person will continue to appear in Veraz for two years, despite it being a ‘motive’. After this period, you can request permanent removal from the record.
• Unpaid debts: The information will remain in the database for up to five years. Once this period has elapsed, it may be necessary to delete the data, even if the debt remains unpaid.

This scheme is regulated by the Personal Data Protection Law, which sets time limits for the storage of negative records.

Alternative consulting: Debtors’ Center at the Central Bank

In addition to Veraz, the Central Bank of the Argentine Republic (BCRA) offers a free tool to find out the credit status of any person or company. It’s about Central debtors of the financial systemWhere you can check active debts, amounts owed and credit risk level.

Accessed from the BCRA website, entering the holder’s CUIL or CUIT number. The system shows the entities reporting debts, the current status of the credit (current, canceled, or late) and the classification assigned to it. This information is general and is updated monthly.

Consult honest Debtors Central lets you anticipate potential issues when applying for credit or card. It also works to detect errors, prevent fraud, and maintain control of an individual’s financial situation.

Financial entities, service companies and public institutions use this data as part of… Risk analysis. Therefore, having up-to-date information is a recommended practice to avoid surprises when managing financial products or renting a property.