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16:["$","span",null,{"children":"La CuentaRUT y billeteras digitales tipo Mach siguen disponibles, porque no evalúan historial crediticio."}]
17:["$","li","Salir de DICOM requiere pagar o repactar la deuda que generó la mora.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$b:props:children:0:props:children:6:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-circle-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Salir de DICOM requiere pagar o repactar la deuda que generó la mora."}]]}]
18:["$","li","Reconstruir historial toma tiempo, pero es un proceso ordenado y predecible.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$b:props:children:0:props:children:6:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-circle-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Reconstruir historial toma tiempo, pero es un proceso ordenado y predecible."}]]}]
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1a:["$","$L14",null,{"title":"Qué es DICOM exactamente","children":[["$","p",null,{"children":"DICOM es el nombre popular con que se conoce al boletín comercial de Equifax en Chile, que registra el historial de mora de personas y empresas. \"Estar en DICOM\" significa tener al menos una deuda impaga registrada ahí, visible para las instituciones que consultan tu historial antes de aprobarte un crédito."}],["$","p",null,{"children":"No es un \"castigo\" permanente ni una lista negra sin salida: es simplemente el registro de que, a la fecha de la consulta, tienes un compromiso de pago vencido. Una vez que ese compromiso se regulariza y el boletín se actualiza, dejas de aparecer con esa deuda específica — el resto de tu historial sigue existiendo, para bien o para mal, según cómo lo hayas manejado."}]]}]
1b:["$","h3",null,{"className":"text-xl","children":"Ficha técnica rápida"}]
1c:["$","div",null,{"className":"my-6 grid grid-cols-1 gap-3 sm:grid-cols-2","children":[["$","div","Organismo que administra el boletín",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Organismo que administra el boletín"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Equifax Chile"}]]}],["$","div","Productos que siguen disponibles",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Productos que siguen disponibles"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"CuentaRUT, billeteras digitales sin evaluación crediticia"}]]}],["$","div","Productos que generalmente se bloquean",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Productos que generalmente se bloquean"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Tarjetas de crédito bancarias tradicionales, algunos créditos de consumo"}]]}],["$","div","Qué se necesita para salir",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Qué se necesita para salir"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Pagar o repactar la deuda que generó el registro"}]]}]]}]
1d:["$","p",null,{"className":"rounded-xl border border-border bg-ivory-muted p-5","children":[["$","span",null,{"className":"font-medium text-navy","children":"Dato clave: "}],"pagar la deuda no borra el historial de mora de forma instantánea; el tiempo de actualización varía, así que no postules a una tarjeta nueva inmediatamente después de pagar, espera la confirmación del boletín actualizado."]}]
1e:["$","h2",null,{"className":"text-2xl","children":"Errores comunes al intentar salir de DICOM"}]
1f:["$","div",null,{"className":"my-6 grid gap-4 sm:grid-cols-2","children":[["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-gold bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"Lo que sí conviene hacer"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Verificar tu deuda exacta antes de negociar, para no pagar de más ni de menos.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":[["path",{"d":"M20 6 9 17l-5-5","key":"1gmf2c"}]],"className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Verificar tu deuda exacta antes de negociar, para no pagar de más ni de menos."}]]}],["$","li","Pedir todo por escrito al negociar una repactación (monto, plazo, tasa).",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$1f:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Pedir todo por escrito al negociar una repactación (monto, plazo, tasa)."}]]}],["$","li","Guardar el comprobante de pago y el certificado de deuda cero.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$1f:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Guardar el comprobante de pago y el certificado de deuda cero."}]]}],["$","li","Ser realista con el plazo de actualización del boletín antes de postular a algo nuevo.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$1f:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Ser realista con el plazo de actualización del boletín antes de postular a algo nuevo."}]]}]]}]]}],["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-navy-muted bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"Lo que conviene evitar"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Pagar a intermediarios que prometen \"borrar\" DICOM rápido por una comisión — no es un procedimiento legítimo.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":[["path",{"d":"M18 6 6 18","key":"1bl5f8"}],["path",{"d":"m6 6 12 12","key":"d8bk6v"}]],"className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Pagar a intermediarios que prometen \"borrar\" DICOM rápido por una comisión — no es un procedimiento legítimo."}]]}],["$","li","Sacar una tarjeta nueva de casa comercial solo para \"demostrar\" que puedes pagar, sin plan claro.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$1f:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Sacar una tarjeta nueva de casa comercial solo para \"demostrar\" que puedes pagar, sin plan claro."}]]}],["$","li","Ignorar comunicaciones de la institución acreedora, esto puede complicar más la negociación.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$1f:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Ignorar comunicaciones de la institución acreedora, esto puede complicar más la negociación."}]]}],["$","li","Asumir que toda tu deuda desaparece si dejas de responder llamadas o correos.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$1f:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Asumir que toda tu deuda desaparece si dejas de responder llamadas o correos."}]]}]]}]]}]]}]
20:["$","h2",null,{"className":"text-2xl","children":"Preguntas frecuentes"}]
21:["$","div",null,{"className":"my-6 space-y-3","children":[["$","details","¿Puedo tener una CuentaRUT estando en DICOM?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Puedo tener una CuentaRUT estando en DICOM?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Sí, no exige evaluación crediticia."}]]}],["$","details","¿Cuánto tiempo queda registrada una mora?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Cuánto tiempo queda registrada una mora?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Depende del tipo de deuda y si fue pagada o no; revisa el detalle en tu reporte de Equifax."}]]}],["$","details","¿Existen tarjetas para personas en DICOM?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Existen tarjetas para personas en DICOM?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"No existen tarjetas de crédito \"para DICOM\" de forma oficial; lo recomendable es regularizar primero."}]]}],["$","details","¿Puedo revisar si estoy en DICOM gratis?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Puedo revisar si estoy en DICOM gratis?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Sí, el reporte básico en el portal oficial de Equifax tiene una opción de consulta gratuita."}]]}],["$","details","¿Afecta a toda la familia si uno de los integrantes está en DICOM?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Afecta a toda la familia si uno de los integrantes está en DICOM?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"No, el registro es individual, asociado al RUT de la persona, no al grupo familiar."}]]}],["$","details","¿Puedo arrendar una casa o firmar un contrato de trabajo estando en DICOM?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Puedo arrendar una casa o firmar un contrato de trabajo estando en DICOM?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Sí es posible en muchos casos, aunque algunos arrendadores sí consultan el historial como parte de su evaluación."}]]}]]}]
22:["$","$L14",null,{"title":"Conclusión","children":["$","p",null,{"children":["Usa productos que no evalúan historial mientras regularizas, paga o repacta la deuda con la institución correspondiente, espera la actualización del boletín, y recién ahí vuelve a postular, empezando por opciones más accesibles. Se relaciona directo con los"," ",["$","$L10",null,{"href":"/errores-que-arruinan-tu-historial","className":"text-amber hover:text-amber-hover","children":"errores que arruinan tu historial crediticio"}],"."]}]}]
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