In 2026, certain debts recorded in Mexico's Credit Bureau will be automatically removed based on their amount, without needing to pay third parties to clean the history. The National Commission for the Protection and Defense of Financial Services Users (Condusef) explains that deadlines depend on Investment Units (UDIS). This provides an opportunity for those seeking to legally improve their credit profile.
The Credit Bureau maintains a record of debts that affects access to new credit, but the law sets deadlines for their natural removal. According to the Law to Regulate Credit Information Societies, debts are erased depending on their amount in UDIS. For 2026, debts under 25 UDIS, equivalent to about 220 pesos, will disappear if reported in 2025, after one year of permanence.
Debts between 25 and 500 UDIS, up to 4,400 pesos, will be removed if they date from 2024, after two years. Those between 500 and 1,000 UDIS, up to 8,800 pesos, will complete four years if from 2022. For amounts over 1,000 UDIS, the deadline can reach six years, except for judicial processes or frauds.
Condusef warns about the 'settlement', an agreement to pay only part of the debt, which leaves a red mark with code 97 for bankruptcy. This notation alerts financial institutions and complicates obtaining new credit. Instead of waiting, users can check a free Special Credit Report every 12 months on the Credit Bureau or Círculo de Crédito portal.
If there are errors in the report, the Bureau must respond within 29 business days. It is recommended to negotiate restructurings with the financial institution to avoid defaults and minimum payments that generate high interest. Important: The Bureau is not erased; it is a normal history for those who have had credit. Avoid scams from those promising to clean it, as only creditor entities can report changes.
