When renting a property in Mexico City, one of the key elements reviewed during the legal lease policy investigation is your Credit Bureau report (Buró de Crédito).

In simple terms: the Credit Bureau allows the legal policy provider to review your payment behavior and determine whether you are a responsible or delinquent payer.

This is not about judging your financial situation. It is about evaluating how you fulfill your financial commitments.

What Does the Legal Lease Policy Review in the Credit Report?

The legal policy mainly analyzes:

• Payment history
• Recurring late payments
• Past-due accounts or collections
• Accounts currently in default
• Overall debt level

A person with a healthy credit history demonstrates responsibility and financial discipline, which builds trust in a lease agreement.

What Happens If I Have Debts or Late Payments?

The policy investigation will detect any reported debts.

If there are accounts in default, the policy provider will typically request:

• Information about the current status
• Evidence of a payment agreement or settlement
• Proof of payment (if already resolved)

The outcome will depend on the context.

If the debts:

• Are minor
• Have already been negotiated
• Are not recurring
• Do not reflect a pattern of non-compliance

The policy may still approve the profile.

If the debts:

• Are significant
• Are recurring
• Include multiple accounts in default
• Reflect a general pattern of problematic behavior

The policy may:

• Request strengthening the proposal with a joint obligor (co-signer)
• Request advance rent payments
• Or reject the application

What About Overall Debt Level?

Debt level alone is not necessarily critical. However, if your liabilities are clearly higher than your income, it may be considered a warning sign during the investigation.

The policy looks for financial consistency:

Stable income + responsible payment behavior = higher probability of approval.

Is It Mandatory to Authorize the Credit Check?

Yes. Our legal lease policy requires a signed authorization to request your Credit Bureau report.

This authorization is part of the initial requirements and is essential to begin the investigation. Without authorization, the process cannot move forward.

Alternatively, you may obtain your own credit report and share the results with us.

Below are the steps to do so.

How to Check Your Credit Bureau Report Step by Step

1. Go to: www.burodecredito.com.mx
   Select the option: “Obtain Your Special Credit Report” (Reporte de Crédito Especial).
2. Authorize the request
   Read and accept the authorization allowing the Bureau to review your credit history.
3. Enter your personal information
   Provide:
   • Full name
   • RFC (Tax ID)
   • Address
   • Date of birth
   • Email address
4. Verify your identity
   The system will ask for information related to an active credit account (credit card, auto loan, or mortgage).

Important:
• Debit cards and payroll cards are not accepted
• If you do not have active credits, select “I do not have any”

5. Request your report

You may choose to:
• Receive it by email
• Download it in PDF format

6. Receive and open your report
   The file typically requires a password, which is sent in the same email.

Additional Information

• Cost: Free once every 12 months
• Additional requests within the same year: approximately $35.60 MXN
• Credit Score (“Mi Score”): additional cost of approximately $58.00 MXN
• You may also request it in person at Credit Bureau offices or through CONDUSEF

Conclusion

A healthy credit history demonstrates responsibility and facilitates lease approval.

If there are outstanding situations, it is best to address them before starting the process or be prepared to explain them clearly. 

In a formal lease agreement, transparency and preparation always work in your favor.

Information current as of February 11, 2026.