If you have ever had credit, SUGEF’s Credit Bureau Agency (SUGEF) or another credit protection agency probably have your credit history. SUGEF’s Credit Bureau Agency is the official credit information gathering central, while credit protection agencies are private companies that gather information through investigations made in different levels. In spite of that, in both cases agencies gather and share information with creditors, insurance companies and other entities, about the manner people pay their debt. They are not responsible to decide if you will or not obtain credit; they simply report how you managed your credit in the past.
SUGEF’s Credit Bureau Agency and the credit protection agencies obtain most their information from the same sources that request it: financial institutions and commercial companies that perform credit operations on the sale of their products and services.  

They use their credit history to evaluate your ability to make payments. For that reason, a good or bad credit history can make all the difference when you are trying to get the loan you need.

Who can see your credit report?

The reports from the Credit Information Center can be viewed by users from credit entities that have been authorized by SUGEF. There are several types of reports, which depending of the information they carry; they might require your authorization in order to be viewed.  Likewise, as the owner of the information, you can go to said centers at anytime and request a report of the information they have on you. When you request credit, usually your authorization will be required as part of the process of credit approval the bank or the financial institution do, so they can view your report.

Credit protection companies are private, therefore they decide who gets to access the information they manage, and they usually require membership. However, you have the self-determination right, a constitutional right that allows you to view whatever information they have on you.