Reporte de Crédito Especial: Solicitud, Costo y Disputa de Errores

The Reporte de Crédito Especial is the official document that shows your full credit history in Mexico, consolidating every loan, credit card, department store account, and reported service contract into one file. You have the right under Article 41 of the Ley para Regular las Sociedades de Información Crediticia to one free copy every twelve months, delivered by email or picked up in person.¹ Two private bureaus issue it: Buró de Crédito and Círculo de Crédito. You can request yours online in a few minutes.

Where to Request It

Only Buró de Crédito and Círculo de Crédito are legally authorized to compile and issue the report. The law calls them Sociedades de Información Crediticia. They don’t lend money; they receive monthly updates from banks, retailers, government agencies, and service providers, and organize that data into individual credit histories.

You can request your report from either one, and each may contain slightly different accounts depending on which lenders report to which bureau. Checking both gives you the most complete picture. The first request from each bureau within any twelve-month period is free as long as you receive it electronically or pick it up at the bureau’s office.¹

What to Have Ready Before You Start

Both bureaus need the same core identity data. Pull together:

Full name, starting with your paternal surname, exactly as it appears on your account statements.
Date of birth.
RFC with homoclave (the full 13 characters).
Current address, matching the one on a recent credit account statement.

Círculo de Crédito also asks for your cell phone number and email during the request.² Neither bureau requires your CURP for an online request, despite what many guides claim.

After identity, Buró de Crédito verifies you against your own financial accounts. Have the full number of an active credit card ready, along with the exact credit limit shown on your statement. If you have an auto loan or mortgage, whether active or paid off within the last six years, you’ll also need those account numbers and the lender’s name.³ If you don’t have a particular credit type, the form lets you select “No” and move on. A recent statement in front of you speeds the whole thing up.

How to Request It Step by Step

Buró de Crédito

Go to the Buró de Crédito website and open the Reporte de Crédito Especial section for individuals. The flow has three stages: personal data, credit account verification, and confirmation. The first screen takes your name, RFC, date of birth, and address. The second screen asks for your credit card details and any loan information, which the system uses to authenticate you.

Toward the end you’ll be offered the optional “Mi Score” add-on, which produces a numerical credit score from 400 to 850 for $58.00 MXN.⁴ It isn’t part of the standard report, so you can skip it. After confirming, the system emails you a verification link; clicking it delivers a password-protected PDF, usually within minutes.⁵

Círculo de Crédito

Open the request form for individuals on the Círculo de Crédito website. Enter your name, date of birth, RFC with homoclave, cell phone number, and email.² Authentication differs slightly from Buró de Crédito, but the outcome is the same: a digital copy of your report in your email. Your first request every twelve months is free here too.

What It Costs if You Need Another One Sooner

If you need a second or third copy within the same year, Buró de Crédito charges $35.60 MXN per additional online request. Requesting by phone costs $89.00 MXN per report.⁵ Physical delivery by mail costs more to cover shipping. The bureau has five business days by law to produce and deliver the report once your request comes in,¹ but electronic reports usually arrive within minutes.

What You’ll See Inside the Report

The report opens with your personal identifiers: full name, address, RFC, and date of birth. Below that is every active and closed credit account, including obligations with banks, department stores, auto lenders, mortgage companies, and utility providers. Each entry shows the original credit amount, current balance, payment terms, and a month-by-month payment history going back up to 25 months.⁶

You’ll also see every lender inquiry on your file over the past twenty-four months. If a bank you never contacted appears there, that may signal unauthorized access to your data. Accounts in collections or under legal dispute carry specific observation codes.

Payment History Codes

Each month on each account is marked with a single digit. “1” means current. Higher numbers mean more delinquency:⁷

1: Current, no delinquency.
2: 1 to 29 days late.
3: 30 to 59 days late.
4: 60 to 89 days late.
5: 90 to 119 days late.
6: 120 to 149 days late.
7: 150 days to 12 months late.
9: More than 12 months late, unrecovered debt, or fraud by the account holder.

You may also see “O” (account too recent to rate), “U” (no information available), or a dash (the lender didn’t report that month). A string of 1s is ideal. A single 2 or 3 catches a lender’s attention, and anything from 5 up signals serious trouble.

Observation Codes

Some accounts carry a two-letter code describing their broader status. The common ones:⁶

AD: Account under dispute by the client.
CC: Account canceled or closed, either at your request or by the lender.
CL: The account had late payments but was eventually paid in full without causing a loss to the lender.
LC: A settlement was negotiated for less than the full balance owed.
FD: The account was used fraudulently by the client (proven).
FN: Fraud occurred on the account, but was not committed by the client.
CV: The lender sold the delinquent portfolio to another entity.
LS: The card was reported lost or stolen.
IA: The account is valid but inactive.

“LC” matters more than it looks. It tells future lenders you settled for less than you owed, which they may view less favorably than “CL” (paid in full). If you negotiate a settlement, the distinction stays visible for years.

How Long Negative Records Stay on File

Article 23 of the LRSIC sets firm timelines. The general rule is 72 months (six years) from the date the first missed payment was recorded. After that, the bureau must delete the negative entry.¹ The same 72 months apply even if you later settled or made a partial payment; the clock runs from the first delinquency, not from the settlement date.

For smaller debts under 1,000 UDIS (roughly $8,840 MXN as of mid-2026), Banco de México sets separate rules that can allow faster deletion. Residual minimum balances can come off in as little as 48 months.¹ If you had a small unpaid department store balance years ago, it may already be eligible for removal.

How to Dispute an Error

If a late payment you actually made on time shows up, or an account you never opened appears on your file, you can file a formal claim (reclamación) through Buró de Crédito’s online claims system or by submitting the official request form. The bureau has 29 calendar days to resolve it.⁸

Support the claim with a clear explanation of which entry is wrong, copies of documents that prove your side (payment receipts, bank statements, closure confirmations), and a copy of the report section with the disputed entry highlighted. Send copies, never originals.

If the lender reviews and insists the information is correct, and you still disagree, you have two options. You can add a “declarativa” to your report, a brief personal statement future lenders will see next to the disputed entry.⁸ You can also escalate to an external authority: CONDUSEF for disputes with financial institutions, PROFECO for commercial credit disputes, or PRODECON for tax-related credit issues. These agencies can mediate and carry enforcement tools the bureaus don’t have.

Pulling your report at least once a year is the simplest way to catch errors before they cost you a loan approval or a better interest rate. The free annual copy exists for exactly that.⁹

1
Cámara de Diputados. Ley para Regular las Sociedades de Información Crediticia
2
Círculo de Crédito. Solicitud de Reporte de Crédito – Persona Física
3
Buró de Crédito. Reporte de Crédito Especial – Centro de Ayuda
4
Buró de Crédito. Mi Score
5
Buró de Crédito. Reporte de Crédito Especial
6
Buró de Crédito. Guía de Interpretación
7
Buró de Crédito. Guía de Interpretación
8
Buró de Crédito. Reclamaciones
9
Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros. En Cuánto Tiempo Me Borran del Buró de Crédito