{"id":70,"date":"2015-05-12T11:58:58","date_gmt":"2015-05-12T11:58:58","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/?p=70"},"modified":"2016-02-17T12:38:12","modified_gmt":"2016-02-17T12:38:12","slug":"empleo-de-la-informacion-crediticia","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/empleo-de-la-informacion-crediticia\/","title":{"rendered":"Empleo de la informaci\u00f3n crediticia"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/70?print=pdf\" class=\"pdfprnt-button pdfprnt-button-pdf\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/plugins\/pdf-print\/images\/pdf.png\" alt=\"image_pdf\" title=\"Ver PDF\" \/><\/a><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/70?print=print\" class=\"pdfprnt-button pdfprnt-button-print\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/plugins\/pdf-print\/images\/print.png\" alt=\"image_print\" title=\"Imprimir contenido\" \/><\/a><\/div><p>El Tribunal Constitucional, atendiendo a lo dispuesto en la nueva Ley de Protecci\u00f3n de Datos Personales, y con relaci\u00f3n a la informaci\u00f3n crediticia, la informaci\u00f3n positiva y la informaci\u00f3n de car\u00e1cter personal, incluidas en los bancos de datos de las Centrales Privadas de Informaci\u00f3n de Riesgos (CEPIRS), ha establecido los siguientes criterios:<\/p>\n<ul>\n<li><strong>Sobre la inclusi\u00f3n de informaci\u00f3n crediticia en Centrales Privadas de Informaci\u00f3n de Riesgos:<\/strong><br \/>\nEl Tribunal Constitucional ha precisado que resulta leg\u00edtimo y acorde con el derecho a la libertad de contrataci\u00f3n, que exista un flujo continuo de informaci\u00f3n de riesgos crediticios en el mercado, pues s\u00f3lo as\u00ed se puede generar confianza en el sistema financiero.<br \/>\nConocer el comportamiento crediticio de los clientes permite a las entidades de cr\u00e9dito llevar a cabo una evaluaci\u00f3n crediticia m\u00e1s exhaustiva, para de esta forma fundar mejor sus decisiones sobre el otorgamiento o no de cr\u00e9ditos, lo que repercute directamente en la econom\u00eda social.<\/li>\n<li><strong>Sobre las Centrales Privadas de Informaci\u00f3n de Riesgos y la informaci\u00f3n positiva:<\/strong><br \/>\nLas Centrales Privadas de Informaci\u00f3n de Riesgos no solo tienen la facultad de consignar datos de las deudas impagadas, sino tambi\u00e9n de las deudas oportunamente satisfechas. Su finalidad no s\u00f3lo es dar cuenta de quienes no son aptos para ser sujetos de cr\u00e9dito, sino tambi\u00e9n de la capacidad y trayectoria de endeudamiento y pago de quienes, alguna vez, fueron sujetos de cr\u00e9dito en el sistema financiero.<\/li>\n<li><strong>Sobre el registro de las CEPIRS de informaci\u00f3n de car\u00e1cter personal:<\/strong><br \/>\nEl Tribunal Constitucional advierte que los datos personales, tales como direcciones domiciliarias, n\u00fameros de tel\u00e9fono, informaci\u00f3n laboral, etc., no aportan informaci\u00f3n alguna sobre el comportamiento econ\u00f3mico del deudor en el sistema financiero, por lo que s\u00f3lo podr\u00e1n ser recopilados para\u00a0 una \u201cfinalidad determinada, expl\u00edcita y l\u00edcita\u201d, y que para su comercializaci\u00f3n ser\u00e1 necesario el consentimiento expreso del deficitario.<br \/>\nEn consecuencia, el Alto Tribunal establece que el uso por parte de las CEPIRS de esta informaci\u00f3n personal resulta un ejercicio desproporcionado de sus facultades y no cumple con el prop\u00f3sito para el cual se ha configurado, que es el tratamiento de datos de car\u00e1cter crediticio.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>El Tribunal Constitucional, atendiendo a lo dispuesto en la nueva Ley de Protecci\u00f3n de Datos Personales, y con relaci\u00f3n a la informaci\u00f3n crediticia, la informaci\u00f3n positiva y la informaci\u00f3n de car\u00e1cter personal, incluidas en los bancos de datos de las Centrales Privadas de Informaci\u00f3n de Riesgos (CEPIRS), ha establecido los siguientes criterios: Sobre la inclusi\u00f3n [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":408,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[],"class_list":["post-70","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","numero-3m","pais-peru"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Empleo de la informaci\u00f3n crediticia<\/title>\n<meta name=\"description\" content=\"Empleo de la informaci\u00f3n crediticia\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/empleo-de-la-informacion-crediticia\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" 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