Uruguay Credit Judgment and Litigation Check

## What is the source of the data? ## The Uruguay Adverse Financial data comes from the **Credit Risk Centre (Central de Riesgos Crediticios)**, which is managed by the **Superintendence of Financial Services of the Central Bank of Uruguay (BCU)**. ## What is the process? ## 1. The requesting party submits the check from the ATS or their Zinc account. 2. The candidate receives automated instructions to provide personal details in a dynamic web form. 3. Zinc submits the request to the authorities. 4. Zinc receives the results digitally and provides a signed digital report. 5. The candidate receives a notification that the process is complete. ## What details are required to submit the check? ## - **First name** - **Last name** - **Date of birth** - **Nationality** - **Consent** - **Government ID Number:** ID card (Cédula de identidad), 8 digits, ***or*** passport number. (Mandatory for both citizens and foreigners). ***Optional fields:*** - *Last registered address in Uruguay* - *Single Register of Taxpayers number (Registro Único Tributario)* ## What does the check cover? ## This adverse financial verification provides information on an individual's credit and default history for **citizens and lawful residents of Uruguay.** - Loans granted from **1 January 2009** - Loans restructured from **1 June 2010** onward - Payment performance, including whether the person is in arrears or has defaults - The type of financial institution reporting the debt, such as a bank or cooperative - Amounts owed and their status: *active, closed, delinquent, or written off.* The data comes from the Credit Risk Centre, which consolidates monthly credit information reported by: - Banks - Credit management companies - Financial intermediaries - Credit bureaus Search results are provided in Spanish, and the final report is delivered in English. ## Result types ## - **No Records Found**: nothing negative was found, and the result is **Clear**. - **Records Found**: the result is **Match Found**. The report summarises each record, including the case date, the candidate's role, the creditor, the debt type, the debt amount, identifiers, and the source. ## Restrictions and limitations ## - Due to privacy laws, the information is partial and financial in nature. - The report reflects only the data available in the national credit registry. - The data is regulated under Uruguay's Personal Data Protection Law (Law No. 18.331) and may only be used for legitimate, authorised purposes. - Candidate consent is required to use credit information for non-financial purposes, such as employment screening. - The data must be handled confidentially. - It cannot be used to discriminate or to make adverse employment decisions without a proper legal basis. ## Turnaround time ### [Here](https://zincwork.com/turnaround-times) ## Privacy statement ## The details contained in this report should not be used as the sole reason for making a decision. Zinc Work Ltd is not liable for any inaccuracies or incompleteness in the information appearing in this report since it is provided to Zinc Work Ltd by third parties. This report has been produced for the purchaser of the report and Zinc Work Ltd will have no liability to loss.