{"id":70559,"date":"2026-05-09T12:20:00","date_gmt":"2026-05-09T12:20:00","guid":{"rendered":"https:\/\/thefundmentor.com\/e15ce35b-824f-4cd9-ac31-ad63972714f9\/"},"modified":"2026-05-09T12:20:55","modified_gmt":"2026-05-09T12:20:55","slug":"e15ce35b-824f-4cd9-ac31-ad63972714f9","status":"publish","type":"post","link":"https:\/\/thefundmentor.com\/es\/e15ce35b-824f-4cd9-ac31-ad63972714f9\/","title":{"rendered":"\u00bfQu\u00e9 deudas no figuran en DICOM? Gu\u00eda para proteger tu historial crediticio"},"content":{"rendered":"<\/p>\n<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">Recomendado para ti<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">DefensaDeudores.cl<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">Descubre c\u00f3mo cuidar tu historial en DICOM. Asesor\u00eda experta, primera consulta gratis y soluciones legales para salir de morosidad y proteger tu cr\u00e9dito.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/thefundmentor.com\/es\/redirect\/?https:\/\/defensadeudores.cl\/publicacion\/que-deudas-no-van-a-dicom\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">Solicitar asesor\u00eda<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">Ser\u00e1s redirigido a otro sitio web<\/small>\n<\/div>\n<p>Muchas personas en Chile se preguntan cu\u00e1les deudas pueden afectar su historial en DICOM. Entender qu\u00e9 obligaciones no son informadas en este registro es clave para proteger tu acceso a cr\u00e9ditos.<\/p>\n<p>El uso de DICOM como herramienta por parte de bancos y financieras est\u00e1 muy extendido. Sin embargo, no todas las deudas figuran en estos informes y conocer las excepciones puede marcar la diferencia al administrar tus finanzas.<\/p>\n<p>Vamos a detallar los tipos de deuda excluidos de DICOM y c\u00f3mo funciona este sistema para que puedas tomar mejores decisiones. Al conocer tus derechos, evitar\u00e1s sorpresas desagradables en tu historial comercial.<\/p>\n<h2>\u00bfQu\u00e9 deudas est\u00e1n excluidas del registro de DICOM?<\/h2>\n<p>No todas las deudas se reportan en DICOM. Por ejemplo, atrasos en servicios b\u00e1sicos como luz, agua y gas nunca se informan a este registro.<\/p>\n<p>Deudas educativas tampoco se reportan gracias a la Ley 21.214, lo que protege a estudiantes y sus familias. Las obligaciones con prestadores de salud desde 2023 tampoco figuran.<\/p>\n<p>La deuda por TAG o peajes en autopistas tampoco aparece en el Bolet\u00edn Comercial salvo casos judicializados. Pensi\u00f3n de alimentos genera su propio registro estatal, distinto a DICOM.<\/p>\n<p>As\u00ed, solo ciertas deudas comerciales o bancarias podr\u00e1n ingresar a DICOM. Las excluidas por ley no afectan el historial crediticio.<\/p>\n<h2>\u00bfC\u00f3mo saber si una deuda est\u00e1 en DICOM?<\/h2>\n<p>Puedes consultar tu registro en el sitio web del Bolet\u00edn Comercial pagando un arancel m\u00ednimo. Tambi\u00e9n es posible pedir un informe gratuito a la CMF usando tu Clave \u00danica.<\/p>\n<p>La legislaci\u00f3n permite obtener cada cuatro meses un reporte gratis de antecedentes comerciales, lo que ayuda a monitorear tu situaci\u00f3n.<\/p>\n<p>Es importante conocer la periodicidad y cobertura de cada informe, ya que algunos solo muestran consultas, otros, morosidades.<\/p>\n<p>Accede siempre a fuentes oficiales para evitar fraudes o cobros indebidos por informes falsos.<\/p>\n<h2>\u00bfCu\u00e1les son las consecuencias de figurar en DICOM?<\/h2>\n<p>Estar en DICOM puede dificultar el acceso a cr\u00e9ditos bancarios, hipotecarios o automotrices. Tambi\u00e9n puede limitar opciones para arrendar vivienda.<\/p>\n<p>Empresas y particulares suelen consultar estos datos antes de aprobar cualquier tipo de acuerdo financiero relevante.<\/p>\n<p>Aseg\u00farate de que tus deudas no est\u00e9n informadas err\u00f3neamente y consulta ante cualquier duda. Cada situaci\u00f3n debe analizarse en detalle.<\/p>\n<p>El impacto de figurar en el registro suele ser inmediato, por lo que reaccionar a tiempo es esencial.<\/p>\n<h2>Resumen de exclusiones legales de DICOM<\/h2>\n<table>\n<thead>\n<tr>\n<th>Tipo de Deuda<\/th>\n<th>\u00bfVa a DICOM?<\/th>\n<th>Ley Aplicable<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Servicios b\u00e1sicos<\/td>\n<td>No<\/td>\n<td>General administrativa<\/td>\n<\/tr>\n<tr>\n<td>Pensi\u00f3n alimenticia<\/td>\n<td>No<\/td>\n<td>Ley 21.389<\/td>\n<\/tr>\n<tr>\n<td>Educaci\u00f3n<\/td>\n<td>No<\/td>\n<td>Ley 21.214 (&#8220;Chao DICOM&#8221;)<\/td>\n<\/tr>\n<tr>\n<td>Salud<\/td>\n<td>No<\/td>\n<td>Ley 21.504<\/td>\n<\/tr>\n<tr>\n<td>TAG\/autopistas<\/td>\n<td>No (si no hay juicio)<\/td>\n<td>Normativa vial<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Lista r\u00e1pida de deudas que no ingresan a DICOM<\/h2>\n<ul>\n<li>Deuda por servicios de agua, luz, gas y telecomunicaciones<\/li>\n<li>Obligaciones vinculadas a pensi\u00f3n alimenticia<\/li>\n<li>Morosidades por financiamiento educativo<\/li>\n<li>Gastos m\u00e9dicos en hospitales p\u00fablicos o privados<\/li>\n<li>Boletas impagas del TAG, salvo proceso judicial<\/li>\n<\/ul>\n<h2>Ventajas de conocer estas exclusiones<\/h2>\n<p>Comprender que ciertas deudas no afectan el historial permite tomar mejores decisiones financieras. Esto da mayor tranquilidad ante per\u00edodos de dificultad econ\u00f3mica.<\/p>\n<p>Puedes enfocar tus esfuerzos en regularizar deudas que s\u00ed impactan tu cr\u00e9dito y no dejarte intimidar por amenazas falsas de ingresos a DICOM.<\/p>\n<h2>Desventajas y puntos de atenci\u00f3n<\/h2>\n<p>Algunas empresas pueden amenazar con DICOM incluso en deudas excluidas, generando confusi\u00f3n innecesaria. Siempre verifica la normativa vigente.<\/p>\n<p>Recuerda que aunque una deuda no ingrese a DICOM, existen otros mecanismos legales para exigir el pago, especialmente en el caso de pensiones y TAG.<\/p>\n<h2>Conclusi\u00f3n<\/h2>\n<p>Saber qu\u00e9 deudas no ingresan a DICOM es clave para cuidar tu historial financiero. Consulta informes peri\u00f3dicamente y busca orientaci\u00f3n legal cuando lo necesites.<\/p>\n<p>La mejor protecci\u00f3n es la informaci\u00f3n. Mantente actualizado sobre cambios legislativos y usa tus derechos para evitar registros indebidos.<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">Recomendado para ti<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">DefensaDeudores.cl<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">Descubre c\u00f3mo cuidar tu historial en DICOM. Asesor\u00eda experta, primera consulta gratis y soluciones legales para salir de morosidad y proteger tu cr\u00e9dito.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/thefundmentor.com\/es\/redirect\/?https:\/\/defensadeudores.cl\/publicacion\/que-deudas-no-van-a-dicom\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">Solicitar asesor\u00eda<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">Ser\u00e1s redirigido a otro sitio web<\/small>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Inf\u00f3rmate sobre las deudas que no aparecen en DICOM en Chile, c\u00f3mo proteger tu historial crediticio y por qu\u00e9 es importante conocer estas reglas para tu tranquilidad financiera.<\/p>","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00bfQu\u00e9 deudas no figuran en DICOM? Gu\u00eda para proteger tu historial crediticio - The Fund Mentor<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/thefundmentor.com\/es\/e15ce35b-824f-4cd9-ac31-ad63972714f9\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfQu\u00e9 deudas no figuran en DICOM? 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Gu\u00eda para proteger tu historial crediticio"}]},{"@type":"WebSite","@id":"https:\/\/thefundmentor.com\/#website","url":"https:\/\/thefundmentor.com\/","name":"The Fund Mentor","description":"","publisher":{"@id":"https:\/\/thefundmentor.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/thefundmentor.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"es-MX"},{"@type":"Organization","@id":"https:\/\/thefundmentor.com\/#organization","name":"The Fund Mentor","url":"https:\/\/thefundmentor.com\/","logo":{"@type":"ImageObject","inLanguage":"es-MX","@id":"https:\/\/thefundmentor.com\/#\/schema\/logo\/image\/","url":"https:\/\/thefundmentor.com\/wp-content\/uploads\/sites\/506\/2025\/11\/Logo-The-Fund-Mentor.png","contentUrl":"https:\/\/thefundmentor.com\/wp-content\/uploads\/sites\/506\/2025\/11\/Logo-The-Fund-Mentor.png","width":600,"height":600,"caption":"The Fund Mentor"},"image":{"@id":"https:\/\/thefundmentor.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/thefundmentor.com\/#\/schema\/person\/d52888235fd6563bd07d97185d6a61e4","name":"Bruno Gianni","image":{"@type":"ImageObject","inLanguage":"es-MX","@id":"https:\/\/thefundmentor.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/0f5d42d7bf77874643c1478932860e3f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/0f5d42d7bf77874643c1478932860e3f?s=96&d=mm&r=g","caption":"Bruno Gianni"},"description":"Bruno writes the way he lives, with curiosity, care, and respect for people. He likes to observe, listen, and try to understand what is happening on the other side before putting any words on the page.For him, writing is not about impressing, but about getting closer. It is about turning thoughts into something simple, clear, and real. Every text is an ongoing conversation, created with care and honesty, with the sincere intention of touching someone, somewhere along the way.","url":"https:\/\/thefundmentor.com\/es\/author\/bcgianni\/"}]}},"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"trp-custom-language-flag":false},"uagb_author_info":{"display_name":"Bruno Gianni","author_link":"https:\/\/thefundmentor.com\/es\/author\/bcgianni\/"},"uagb_comment_info":0,"uagb_excerpt":"Inf\u00f3rmate sobre las deudas que no aparecen en DICOM en Chile, c\u00f3mo proteger tu historial crediticio y por qu\u00e9 es importante conocer estas reglas para tu tranquilidad financiera.","_links":{"self":[{"href":"https:\/\/thefundmentor.com\/es\/wp-json\/wp\/v2\/posts\/70559"}],"collection":[{"href":"https:\/\/thefundmentor.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thefundmentor.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thefundmentor.com\/es\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/thefundmentor.com\/es\/wp-json\/wp\/v2\/comments?post=70559"}],"version-history":[{"count":1,"href":"https:\/\/thefundmentor.com\/es\/wp-json\/wp\/v2\/posts\/70559\/revisions"}],"predecessor-version":[{"id":70566,"href":"https:\/\/thefundmentor.com\/es\/wp-json\/wp\/v2\/posts\/70559\/revisions\/70566"}],"wp:attachment":[{"href":"https:\/\/thefundmentor.com\/es\/wp-json\/wp\/v2\/media?parent=70559"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thefundmentor.com\/es\/wp-json\/wp\/v2\/categories?post=70559"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thefundmentor.com\/es\/wp-json\/wp\/v2\/tags?post=70559"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}