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Credit reports and scores: Mexico.

A take-home sheet for people at the session. Other countries: United States · United Kingdom · Canada · Australia · New Zealand · India · Philippines · Argentina.

On your phone? Tap any address to open it. After the session: where to go next. Short address for this sheet: moraph.org/s/credit-reports-and-scores/mx. Pass it on: cards to hand to someone.

Moraph for Good · Fluent

Credit reports and scores: Mexico

Handout · moraph.org/commons/sessions/fluent/credit-reports-and-scores

This sheet goes with the Credit reports and scores session. It is general information, not advice about your own situation.

Get your report

  • Use the free, official route below, not a search result.
  • You shouldn’t need a card number to see your own report.
  • Bureaus can hold different information, so check each one.

Read it line by line

  • Check your name, date of birth and addresses.
  • Look for accounts you don’t recognize, wrong balances and late payments that weren’t late.
  • Look for old debts that should have dropped off, and debts listed twice.

Dispute errors in writing

  • Contact the credit bureau and the company that reported the error.
  • Say what is wrong and why; send copies, never originals.
  • Keep a copy of everything, with dates, and follow up.

Scores and rebuilding

  • A score is calculated from your report; different bureaus give different numbers.
  • Paying on time and keeping balances well below limits generally help.
  • Paying someone can’t get accurate information removed; you can dispute errors yourself, free.

In Mexico

  • A free report every 12 months. Each Sociedad de Información Crediticia (SIC), a credit bureau, must give you a free Reporte de Crédito Especial (special credit report) every 12 months if you ask for it by email or collect it at the bureau’s specialized unit. CONDUSEF names the bureaus as Buró de Crédito and Círculo de Crédito.
  • Disputing errors. If you disagree with something on your report, you can file a reclamación (dispute) with the bureau or with the Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros (CONDUSEF), the national financial consumer protection agency. If the lender doesn’t answer the bureau within 15 calendar days, the bureau must correct or delete the record as you asked.
  • How long information stays. Unpaid debts are generally deleted 72 months after the first missed payment was recorded, and smaller debts sooner. Exceptions include debts of 400,000 UDIs (inflation-indexed units) or more, debts being decided in court, and fraud convictions.
  • No one can erase you for a fee. CONDUSEF warns that no financial institution, website or person can erase you from a credit bureau, and that fake sites copy the free report form to collect personal data.
  • Rules and help. Bureaus follow rules issued by Banco de México, the central bank. CONDUSEF’s phone line is 55 53 400 999.

Official places to check:

More free official help in Mexico: moraph.org/commons/help/financial-literacy/mx

General information, not advice about your own situation. Checked 22 October 2026. If an official source says something different, it is right. Free to copy and adapt. moraph.org/commons/sessions/fluent/credit-reports-and-scores Version of .