DataCrédito Clearance (Law 2157)

Law 2157 of 2021, known as the 'Clean Slate Law', reformed the financial habeas data regime (Law 1266 of 2008) and introduced clear limits on the permanence of negative reports in Colombian credit bureaus. The main rule: negative data expires 8 years from when the obligation went into default — and must be automatically removed from the database. In practice, thousands of people carry expired reports that should already have been removed due to inactivity by operators or sources.

Additionally, anyone who paid an obligation whose report had at least six months since extinction of the debt at the law's entry into force is entitled to immediate expiration. There is also a transitional benefit (now closed) for those who paid between October 29, 2021 and October 29, 2022. These rules are technical, and operators do not always apply them automatically — the data subject must claim.

Our team handles verification of your report, identifies expired data, files formal claims before the operator (DataCrédito, TransUnion, Procrédito) and source entity, and, if legal deadlines are missed, files a tutela action for violation of the fundamental right to habeas data. The typical removal process takes between 15 days (via claim) and 30 days (via tutela).