We turn your report into signals, evidence, letters, and next steps to clean up inaccuracies and manage real data more orderly.
View your errors, letters, and progress in one place.
No alerts yet. Upload a credit report to start.
No alerts yet. Upload a credit report to start.
Choose whether you are uploading a credit report or a collection letter. Then we analyze the PDF with the correct flow.
* Campos obligatorios
Supports PDF up to 20MB
Anticipate how certain moves may affect your credit history before they happen
In the Dominican Republic, you can request your free credit report once a year from any credit bureau, under Article 36 of Law 172-13. If you already requested yours this year, you can still request it by paying the established fee.
TransUnion RD. SB-authorized SIC. Second largest credit bureau in the Dominican Republic.
Kalifika SRL — First 100% digital credit bureau native to the DR. SB-authorized SIC. AI and data science.
Consultores de Datos del Caribe, S.R.L. — SIC authorized by the SB. TransUnion brand in the DR.
Acierta Consulting, S.R.L. — Third SIC license in the DR. Specialized in advanced analytics and ScoreDynamics.
If the bureau doesn't respond or the response is unsatisfactory, you can escalate your case to ProUsuario (Superintendence of Banks).
Bureau didn't respond within 30 business days
Unsatisfactory bureau response
ARCO rights or data protection violation
ID card, original credit report, dispute letter sent to the bureau, and bureau's response (if received).
Include your details, ID number, reason for the claim, and supporting documents. Explain why the bureau's response is unsatisfactory.
File your claim at prousuario.gob.do or in person at a Superintendence of Banks office. Include all documents.
ProUsuario has 30 days to respond. Keep your claim number and follow up every 15 days if there's no response.
Puedes consultar el listado completo de SICs autorizadas en la Superintendencia de Bancos
Contigo is not affiliated, sponsored, or associated with TransUnion, Data Crédito, Kalifika, Acierta, or any other SIC. The links provided are solely for your reference and convenience. We do not guarantee the availability, accuracy, or response times of these services. Obtaining your credit report is an independent prior step that you carry out directly with each entity.
We analyze the PDF to extract accounts, dates, balances, inconsistencies, and collection signals.
If there is an error, we dispute. If the debt is real, we validate and prepare a written negotiation.
Upload the response from DataCrédito or TransUnion RD to decide the next step.
If the bureau doesn't prove accuracy, file the next dispute with better evidence.
Read bureau response letters
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When you upload your PDF, you'll see accounts with potential errors, the legal basis, and the recommended next step.
Go to profileFind out if an old debt is already beyond the legal collection period in the Dominican Republic.
It's the legal deadline after which a creditor loses the right to sue you for a debt. In the DR, after 3 years without payment or court action, the debt expires (Art. 2277 Civil Code).
An expired debt should not appear as active on your DataCrédito or TransUnion RD report. If it does, you can dispute it under Law 172-13 to have the bureau update or remove it.
Select the debt type and, if you know the date of your first missed payment, enter it. The calculator will tell you if it has expired.
Term: 3 years from first missed payment
If you don't remember the exact date, leave it blank. We'll tell you how many years apply to your debt type.
💡 Example: If you stopped paying a card in January 2020, today in 2026 more than 3 years have passed → the debt has likely expired.
This tool is educational. Laws change and each case is different. Consult an attorney for your specific situation.
Check how many complaints a creditor or bureau has in the public CFPB database. Use it as educational context — not as legal evidence.
Send a dispute to start the timer
Legal 22 business-day deadline for SIC to respond
Access, Rectification, Cancellation, and Opposition rights under Ley 172-13
Law No. 172-13 on Personal Data Protection grants you the following rights over your credit information. You can exercise them directly with credit bureaus or through Contigo.
To file a complaint or inquiry, visit ProUsuario