Banking
Chile — Banking: Credit History
Chile has no single credit score; lenders look at Dicom/Equifax records and the CMF debt report, both viewable free with a RUT and Clave Única.
VerifiedProfessional tax guide — not a government sourceChilean press and CMF guidance on Dicom/Equifax and the CMF debt report (13.cl, Cajas de Chile)Last reviewed: 2026-10-26
Key facts
- Anyone can check their Dicom record free of charge every four months through Equifax after identity verification with their RUT.
- The Comisión para el Mercado Financiero (CMF) offers a separate free report of bank and financial-system debts, available online with Clave Única.
- ChileAtiende lets users download a file of their debts by signing in with RUT and Clave Única.
- Dicom entries can include state-guaranteed student loans (CAE), subsidies, mortgages and debts with cajas de compensación.
- Banks evaluate a borrower's financial and banking history rather than a unified credit score.