What is Destácame?
Destácame is a comprehensive financial platform designed to help individuals in Chile manage debt and rebuild credit access. The platform provides users with tools to understand their financial situation through reports like the CMF Debt Report and Commercial Report, offering insights into both current and delinquent debts.
Users can access exclusive discounts for paying off delinquent debts, with some discounts reaching up to 95%. The platform guides users through a four-step process: understanding debts, paying them with market-best alternatives, generating positive payment history, and accessing financial products to achieve goals. Destácame offers various subscription plans, including free basic access and paid PRO plans with additional features like emergency funds and credit-building tools.
Features
- Debt Analysis Tools: Access CMF Debt Report and Commercial Report to understand financial situation
- Exclusive Debt Discounts: Find discounts up to 95% for paying off delinquent debts
- Credit Rebuilding: Generate positive payment history to regain access to credit products
- AI Financial Assistant: 24/7 chatbot named Sofi provides guidance and support
- Personalized Plans: Multiple subscription options from free basic to PRO+ with credit access
- Debt Certificate: Downloadable weekly certificate combining all debt information
Use Cases
- Paying off delinquent debts with exclusive discounts
- Understanding personal financial situation through detailed reports
- Rebuilding credit history after debt repayment
- Accessing emergency funds for financial emergencies
- Learning financial management through educational content
- Managing multiple debts through consolidation tools
FAQs
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What types of debts are eligible for discounts on Destácame?
Only cast-off debts (those with more than 90 days delinquency) may be eligible for discounts, depending on each financial institution. These debts can include accumulated collection costs, late interest, and legal expenses. -
How does the credit rebuilding process work after paying debts?
After paying delinquent debts, users can generate positive payment history within Destácame, access credits up to $400,000, and share their payment behavior with the Santiago Chamber of Commerce to re-enter the financial market. -
What is the difference between the free plan and PRO plans?
The free plan allows users to understand their debt situation and access basic discounts. PRO plans add weekly debt diagnostics, emergency funds, prepaid cards, specialist support via WhatsApp, and credit access tools for comprehensive financial management.
