Each person receives a rating based on their Telemarketing List behavior when paying their personal and mortgage loans , among others. The credit rating allows lenders to evaluate the creditworthiness of potential creditors, learn about their behavior regarding the payment of their debts and, above all, determine the granting of the loan and its telemarketing list conditions. There are five qualifications that the SBS determines according to the default period in which a natural person incurs, these five qualifications are divided into consumer loans and mortgage loans , the latter Telemarketing List receiving a longer term due to the large amounts it handles.

Consumption Credits: Level “0” or Normal: Payments Telemarketing List made by people are made on time or in arrears of up to 8 calendar days. Level “1” or Potential Problems: Delay in payment compliance of between 9 to 30 calendar days. Level "2" or Deficient: Delay in the payment of credits between 31 to 60 calendar days. Level “3” or Doubtful: Delay in payment between 61 and 120 calendar days. Level “4” or Loss: Delay in payment of more than 120 calendar days. For mortgage loans: Level “0” or Normal: Punctual payment for a Telemarketing List maximum delay of 30 calendar days.

Level “1” or Potential Problems: Payment delay between 31 and 60 calendar days. Level “2” or Deficient: Delay in payment of between 61 to 120 calendar days. Level “3” or Doubtful: Delay in payment between 121 and 365 calendar days. Level “4” or Loss: Delay in payment of Telemarketing List more than 365 calendar days. Speech of the consultor Knowing these concepts and visualizing the results of our research, we were able to conclude that until January of this year, 61% of Peruvian citizens and residents in the country tend to make their payments as expected without incurring in delinquency in their obligations, a great support to achieve this is that the lenders are constantly monitoring the credits granted, notifying and alerting the creditors. These entities use mass communication channels whose objective is to remind creditors that their Telemarketing List obligations are about to expire.