{"id":31556,"date":"2026-08-21T17:19:53","date_gmt":"2026-08-21T22:19:53","guid":{"rendered":"https:\/\/foreverfutbol.com.ec\/radio\/?p=31556"},"modified":"2026-08-21T17:22:08","modified_gmt":"2026-08-21T22:22:08","slug":"buro-de-credito-en-ecuador-los-dos-ultimos-anos-tendran-mayor-importancia","status":"publish","type":"post","link":"https:\/\/foreverfutbol.com.ec\/radio\/economia\/buro-de-credito-en-ecuador-los-dos-ultimos-anos-tendran-mayor-importancia\/","title":{"rendered":"Bur\u00f3 de cr\u00e9dito en Ecuador: los dos \u00faltimos a\u00f1os tendr\u00e1n mayor importancia"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">La <strong>Junta de Pol\u00edtica y Regulaci\u00f3n Financiera y Monetaria (JPRFM)<\/strong> aprob\u00f3 nuevos cambios para el manejo de la informaci\u00f3n registrada en el <strong>bur\u00f3 de cr\u00e9dito en Ecuador<\/strong>. La reforma establece que los datos correspondientes a los dos \u00faltimos a\u00f1os tendr\u00e1n mayor relevancia dentro de los reportes utilizados por las instituciones financieras para evaluar solicitudes de pr\u00e9stamos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La medida consta en la <strong>Resoluci\u00f3n JPRFM-2026-033-F<\/strong>, aprobada el 20 de agosto de 2026, y actualiza las reglas del sistema de registros de datos crediticios del pa\u00eds.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00bfQu\u00e9 cambia en el bur\u00f3 de cr\u00e9dito?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Uno de los principales cambios es la reducci\u00f3n del per\u00edodo de informaci\u00f3n considerada en los reportes crediticios. Antes, las operaciones pod\u00edan abarcar un per\u00edodo de tres a\u00f1os; con la nueva regulaci\u00f3n, los reportes har\u00e1n referencia \u00fanicamente a las <strong>operaciones vigentes, vencidas o canceladas de los dos \u00faltimos a\u00f1os<\/strong> anteriores a la fecha de emisi\u00f3n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Adem\u00e1s, se reduce de seis a cuatro a\u00f1os el per\u00edodo m\u00e1ximo de conservaci\u00f3n de la informaci\u00f3n crediticia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Esto significa que existe una diferencia entre el tiempo de conservaci\u00f3n de los datos y el per\u00edodo que aparecer\u00e1 como referencia principal en un reporte.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Mayor peso al comportamiento financiero reciente<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El cambio puede beneficiar a personas que tuvieron dificultades de pago en a\u00f1os anteriores y posteriormente regularizaron sus obligaciones. Con la nueva normativa, el <strong>comportamiento crediticio reciente<\/strong> tendr\u00e1 mayor importancia dentro de la informaci\u00f3n utilizada para analizar el riesgo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El bur\u00f3 de cr\u00e9dito recopila datos sobre las obligaciones financieras y el comportamiento de pago de los usuarios. Esta informaci\u00f3n sirve como referencia para bancos, cooperativas y otras entidades antes de aprobar un financiamiento.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El <strong>score crediticio<\/strong>, que puede ubicarse entre 1 y 999 puntos, tambi\u00e9n forma parte de este an\u00e1lisis. Un puntaje m\u00e1s alto generalmente representa un menor riesgo de incumplimiento.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Informaci\u00f3n crediticia se conservar\u00e1 hasta cuatro a\u00f1os<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La normativa establece que la informaci\u00f3n de riesgo crediticio no podr\u00e1 tener una antig\u00fcedad superior a <strong>cuatro a\u00f1os<\/strong>, contados desde la \u00faltima fecha de vigencia de la operaci\u00f3n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Una vez cumplido ese per\u00edodo, los datos podr\u00e1n ser eliminados de la base de datos en l\u00ednea, aunque podr\u00e1n conservarse en otros medios cuando corresponda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La regulaci\u00f3n tambi\u00e9n contempla fuentes obligatorias de informaci\u00f3n, entre ellas entidades de los sectores <strong>financiero p\u00fablico, privado y popular y solidario<\/strong>, adem\u00e1s de participantes del mercado de valores, sector comercial, seguros, reaseguros y telecomunicaciones.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Como fuentes complementarias pueden considerarse datos relacionados con pagos de servicios b\u00e1sicos o tributos, siempre que tengan naturaleza crediticia y est\u00e9n vinculados con el comportamiento de pago o capacidad de endeudamiento.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Meta descripci\u00f3n<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>El bur\u00f3 de cr\u00e9dito en Ecuador cambia sus reglas: los reportes considerar\u00e1n los dos \u00faltimos a\u00f1os y la informaci\u00f3n crediticia podr\u00e1 conservarse hasta cuatro a\u00f1os.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La Junta de Pol\u00edtica y Regulaci\u00f3n Financiera y Monetaria (JPRFM) aprob\u00f3 nuevos cambios para el manejo de la informaci\u00f3n registrada en el bur\u00f3 de cr\u00e9dito en Ecuador. La reforma establece que los datos correspondientes a los dos \u00faltimos a\u00f1os tendr\u00e1n mayor relevancia dentro de los reportes utilizados por las instituciones financieras para evaluar solicitudes de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":31557,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[53],"tags":[],"class_list":["post-31556","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bur\u00f3 de cr\u00e9dito en Ecuador: los dos \u00faltimos a\u00f1os tendr\u00e1n mayor importancia - 92.5 FOREVER Radio<\/title>\n<meta name=\"description\" content=\"El bur\u00f3 de cr\u00e9dito en Ecuador cambia sus reglas: los reportes considerar\u00e1n los dos \u00faltimos a\u00f1os y la 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