Banking
Uruguay — Building Local Credit History
Uruguay's public credit register, the Central de Riesgos Crediticios run by the Central Bank (BCU), records the risk category lenders assign each debtor. The gub.uy procedure is online and free: you create an account with your email and an identity document and log in to run a query. The page does not describe how long records are kept or how to dispute one.
VerifiedGovernment / official sourceCentral Bank of Uruguay (BCU) – Consultas a la Central de Riesgos Crediticios (gub.uy, updated 27 July 2026)Last reviewed: 2026-10-27
Key facts
- The Central de Riesgos consolidates credit data from financial intermediation institutions, credit administration companies and financial services companies, covering direct and contingent credits to individuals, legal entities and their economic groups.
- Reporting institutions assess repayment capacity, assign each debtor a risk category monthly under rules of the Superintendencia de Servicios Financieros (SSF), and report to the SSF monthly.
- The consultation is free and online only, at consultadeuda.bcu.gub.uy.
- To use it, create an account once ('Crear una cuenta') with an email address, names and an identity document, then log in with email and password to reach the query screen.
- Categories apply to commercial, consumer and housing portfolios; for commercial credit they run from 1A (fully covered by liquid guarantees) and 1C (strong capacity, under 10 days overdue) down to 5 (irrecoverable, payment delays over 180 days).
- The page does not say which identity documents are accepted, how long records are kept, or how to dispute one.