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bcra-central-deudores

Query the BCRA (Banco Central de la República Argentina) Central de Deudores API to check the credit status of individuals or companies in Argentina's financial system. Use when the user asks to check someone's debt situation, credit report, financial standing, rejected checks, or credit history using a CUIT/CUIL/CDI number. Also use when the user mentions "central de deudores", "situación crediticia", "deudas BCRA", "cheques rechazados", "historial crediticio", "informe crediticio", or wants to know if a person or company has debts reported in Argentina's financial system.

skill-install — Terminal

Install via CLI (Recommended)

clawhub install openclaw/skills/skills/ferminrp/bcra-central-deudores
Or

BCRA Central de Deudores

Query Argentina's Central Bank debtor registry to obtain credit reports by CUIT/CUIL/CDI.

API Overview

  • Base URL: https://api.bcra.gob.ar
  • Auth: None required (public API)
  • Format: JSON responses
  • Input: CUIT/CUIL/CDI as integer (no hyphens), e.g. 20123456789
  • Optional web interface: https://compara.ar/deudores/:cuit (replace :cuit with the 11-digit CUIT/CUIL/CDI)

Endpoints

1. Current Debts — GET /centraldedeudores/v1.0/Deudas/{Identificacion}

Returns the latest reported debt situation across all financial entities.

curl -s "https://api.bcra.gob.ar/centraldedeudores/v1.0/Deudas/20123456789"

Response structure:

{
  "status": 200,
  "results": {
    "identificacion": 20123456789,
    "denominacion": "NOMBRE DE LA PERSONA",
    "periodos": [
      {
        "periodo": "2024-12",
        "entidades": [
          {
            "entidad": "BANCO DE LA NACION ARGENTINA",
            "situacion": 1,
            "fechaSit1": "2020-03-15",
            "monto": 150.0,
            "diasAtrasoPago": 0,
            "refinanciaciones": false,
            "recategorizacionOblig": false,
            "situacionJuridica": false,
            "irrecDisposicionTecnica": false,
            "enRevision": false,
            "procesoJud": false
          }
        ]
      }
    ]
  }
}

2. Historical Debts — GET /centraldedeudores/v1.0/Deudas/Historicas/{Identificacion}

Returns debt history across multiple periods. Useful for tracking how a debtor's situation evolved over time.

curl -s "https://api.bcra.gob.ar/centraldedeudores/v1.0/Deudas/Historicas/20123456789"

Response structure: Same as current debts but with multiple periods. Historical entries have simplified entity data (no fechaSit1, diasAtrasoPago, or observation flags).

3. Rejected Checks — GET /centraldedeudores/v1.0/Deudas/ChequesRechazados/{Identificacion}

Returns rejected checks reported for the debtor, grouped by rejection cause and entity.

curl -s "https://api.bcra.gob.ar/centraldedeudores/v1.0/Deudas/ChequesRechazados/20123456789"

Response structure:

{
  "status": 200,
  "results": {
    "identificacion": 20123456789,
    "denominacion": "NOMBRE DE LA PERSONA",
    "causales": [
      {
        "causal": "SIN FONDOS SUFICIENTES",
        "entidades": [
          {
            "entidad": 44,
            "detalle": [
              {
                "nroCheque": 12345678,
                "fechaRechazo": "2024-05-10",
                "monto": 50000.0,
                "fechaPago": null,
                "fechaPagoMulta": null,
                "estadoMulta": null,
                "ctaPersonal": true,
                "denomJuridica": null,
                "enRevision": false,
                "procesoJud": false
              }
            ]
          }
        ]
      }
    ]
  }
}

Situacion (Credit Classification) Codes

Read Full Documentation on GitHub

Metadata

Author@ferminrp
Stars2387
Views0
Updated2026-03-09
View Author Profile
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Add to Configuration

Paste this into your clawhub.json to enable this plugin.

{
  "plugins": {
    "official-ferminrp-bcra-central-deudores": {
      "enabled": true,
      "auto_update": true
    }
  }
}
Safety NoteClawKit audits metadata but not runtime behavior. Use with caution.

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