Aspectos de la Ley de Borrón y Cuenta Nueva que seguirán vigentes después del 29 de octubre del 2022
Published date | 02 November 2022 |
Author | Mónica Moreno |
Law Firm | Lloreda Camacho & Co |
La Ley de Borrón y Cuenta Nueva – Ley 2157 de 2021- entró en vigencia el 29 de octubre del 2021. Esto quiere decir que, el régimen de transición de 12 meses que creó la Ley terminó este 29 de octubre de 2022. El referido régimen de transición permitía extinguir los reportes negativos de los titulares en centrales de riesgo, cumplidas ciertas condiciones y plazos especiales y favorables.
Por lo tanto, a partir de la fecha indicada, los reportes negativos solo serán eliminadosuna vez cumplido el término de permanencia máxima de los datos negativos que es el doble del tiempo de la mora y máximo 4 años desde que se pagó o se extinguió la obligación.
Adicionalmente, es importante tener en cuenta que luego del 29 de octubre del 2022 seguirían vigentes lo demás aspectos regulados por la Ley, entre ellos, los siguientes:
- Los datos negativos caducarán 8 años después de que la obligación entró en mora, cumplido este término deberán ser eliminados de la base de datos.
- Para las obligaciones menores al 15% de un salario mínimo mensual vigente, deben realizarse 2 comunicaciones previas al titular, en días diferentes, antes de realizar el reporte negativo, debiendo mediar 20 días calendario entre la última comunicación y el reporte.
- El plazo máximo para hacer un reporte negativo es de 18 meses después de la constitución en mora.
- El plazo especial para revisar los documentos aportados por un titular que afirma ser víctima de una...
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