When conducting a background check or credit worthiness of an individual in Chile or a company, there are a few things you should know about how credit reports from DICOM work in Chile. First, at this time it is very difficult to obtain credit reports from outside Chile. Part of this is because DICOM does not accept foreign credit cards in most cases, but more importantly when requesting a credit report the party making the request must register who they are in the DICOM system and the request will appear on the the credit record being requested This information will be available to the party you are investigating. Thus, depending on your objectives, it is often useful to have the credit report for a company or individual in Chile be requested by a third party to remain fully anonymous to the party in question. In other cases, such as checking on a new employee, this would not be such a concern. 

Once you have a credit report, it may not tell the whole story. In fact a credit report in Chile generated by the DICOM system may just be the start. It will often show for instance real estate owned by an individual, utility company bills, indicate where the individual lives, associates in business or joint ownership of property, family members with debts, companies they have contracts with, and so on. Deciphering the meaning of the DICOM credit report information is more of an art than a skill, when a background check in Chile requires detailed annalists such as in the case of preparing lawsuits in Chile, collecting bad debts in Chile, or searching for an individual. All of this information may require further searches of public and private databases in Chile to be of real use, and also to verify the information is correct and accurate for any particular purpose.

For example, conducting a DICOM on an individual may not show directly that a person owns a particular property. It may for example be registered in the name of another person, a family member, or a corporation. Sometimes assets will not appear at all for many reasons; but other information such as perhaps a contract with a phone company could indicate where the individual lives and a more detailed examination of public records such as title records might show they do in fact own a particular property. Thus, DICOM credit records should be dealt with as simply one tool and never as the only source of information.

How to Obtain Credit Reports in Chile from Outside Chile
Spencer Global is able to make private and confidential requests of DICOM database for any individual , organization, or company in Chile from outside Chile. We can also provide assistance in further investigation and verification of DICOM credit records against other public databases such as the Chilean Civil Registry,  title registries, and many other archives that are inaccessible to our foreign clients from outside Chile. As needed, we can also provide translations to English of Chilean credit records and explanation of the meaning of the entries. For more information about obtaining a credit report in Chile, please feel free to contact us. We can typically obtain credit reports through the DICOM system on any person or company in Chile in 1-3 days.

Attorney-client Privilege in Chile and Confidentiality

Spencer Global is an international law office in Chile. We fully understands the meaning of confidentiality and all communication is held under the full protection of attorney client privilege as provided under international law and the laws of Chile. We hold all request and communication regarding credit records in Chile for our clients under the strictest confidentiality, and all request for credit records in Chile are directly supervised by a fully qualified Chilean attorney.