Interactive Map


The Chilean credit information sharing system has been fragmented for many years. While retailers account for most of the consumer lending market, banks have been making gains largely aided by a private credit bureau. Meanwhile, the Chilean Chamber of Commerce had maintained a negative-only credit black list for retailers. The government has enacted some reforms recently designed to move toward a full-file and comprehensive credit-reporting regime. PERC has advocated this, and has undertaken outreach in Chile including:

  • Conducting original research on need for reform in Chilean consumer credit information sharing;
  • Keynote address at 3rd Credit and Collections Congress in Santiago;
  • Addressing Chilean Chamber of Commerce executives on best practices and emerging trends in consumer credit reporting; and,
  • Advising government officials.