Aval Buró
Aval Buró is an Ecuadorian credit bureau authorized by the Superintendencia de Bancos that provides credit reports, predictive scores, and lifecycle analytics to banks, cooperatives, and individual citizens across Ecuador.
- Company typePrivate
- Founded2019
- HeadquartersQuito, Ecuador
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Aval Buró does
Aval Buró (legal entity: DataExperto – Buró de Información Crediticia S.A.) is a Quito-based credit bureau qualified and authorized by Ecuador's Superintendencia de Bancos. Founded in 2019 and operating with a workforce that grew from 26 to 76 collaborators by 2024, the company maintains a credit database covering approximately 83% of Ecuador's adult population, refreshed monthly, and expanded in late 2023 to incorporate BIESS social-security data adding 1.6 million Ecuadorians, 4 million credit operations, and USD 12 billion in portfolio visibility.
Aval Buró firmographics
Firmographics- Name
- Aval Buró
- Legal name
- DataExperto – Buró de Información Crediticia S.A.
- Website
- https://avalburo.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Aval Buró is an Ecuadorian credit bureau authorized by the Superintendencia de Bancos that provides credit reports, predictive scores, and lifecycle analytics to banks, cooperatives, and individual citizens across Ecuador.
- Ownership category
- akta.pro rank
Aval Buró industry classification
Industry- Product category
- Credit Bureau Services
- NAICS
- Credit Bureaus (561450), Activities Related to Credit Intermediation (5223)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)
Keywords
Where Aval Buró is headquartered
LocationHeadquarters
- HQ city
- Quito
- HQ country
- Ecuador
- HQ region
- Latin America
Offices1 record
Markets served
Aval Buró business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Credit Reporting Services: Core credit bureau services providing credit reports and scores to financial institutions and citizens. Revenue from data queries, report generation, and credit information services for the Ecuadorian financial system.
- Credit Certificates: Issuance of credit information certificates including current debt certificates ($6), historical debt certificates ($7), and public sector credit certificates ($1)
- Individual Credit Reports: Direct-to-consumer credit report sales through the mi aval platform, with pricing at $9.99 for legal entities and standard rates for individuals
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Current Debt Credit Certificate |
| One time/ perpetual license | Pay-as-you-go | Historical Debt Credit Certificate |
| One time/ perpetual license | Pay-as-you-go | Public Sector Credit Certificate |
| Transaction based/ take rate | Pay-as-you-go | Legal Entity Credit Report |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
Aval Buró product offering
Product offeringCore offering
Aval Buró is an Ecuadorian credit bureau that collects credit data on individuals and businesses and delivers credit reports, scores (including the Aval Score), and credit-history information to financial institutions, commercial companies, public sector entities, and individual consumers. It packages this data into standardized reports, certificates, and analytical solutions that lenders and other organizations use for evaluation, onboarding, portfolio management, collections, and recovery decisions.
Product overview
Aval Buró operates as a credit bureau qualified by the Superintendencia de Bancos (Banking Regulator) of Ecuador, offering a unified platform of credit information and analytics solutions. The core product portfolio consists of business solutions (PROSPECTA, MASTER, RESUELVE, PORTAFOLIO, REACTIVA) covering the complete customer credit lifecycle from prospecting through originación, follow-up/monitoring, collections, and reactivation. For individual consumers, Mi Aval provides direct access to credit reports and scores. The Observatory of Credit (with Monitor del Crédito reports, Estudios Especializados, and Radiografía publications with Asobanca) adds analytical intelligence. Aval Academia de Crédito provides educational certifications. The Portal Clientes serves institutional clients. All solutions leverage predictive scoring analytics and process automation capabilities.
Differentiator
Problem solved
Functional benefit
Brands
- mi aval: Consumer-facing platform for obtaining credit reports and scores
- PROSPECTA
- MASTER
- RESUELVE
- PORTAFOLIO
- Reactiva
- Academia de Crédito
Products and services
- Mi Aval Consumer-facing credit information platform that enables individual Ecuadorian residents to access their own credit profile and related services from Aval Buró.
- Portal Clientes Enterprise web portal through which institutional clients consume Aval Buró credit reports, scores, and related services.
- PROSPECTA Prospecting solution from Aval Buró for new-candidate pre-screening and identification of cross-selling opportunities within existing portfolios.
- MASTER Portfolio segmentation analytics solution offered by Aval Buró to its institutional clients as part of its enterprise analytics suite.
- RESUELVE Collections and recovery analytics solution from Aval Buró that supports prioritization of collection efforts and recovery actions.
- PORTAFOLIO Portfolio analytics solution offered by Aval Buró as part of its enterprise credit analytics suite.
- REACTIVA Reactive portfolio analytics solution from Aval Buró for early identification of at-risk exposures in client portfolios.
- Monitor del Crédito Analytical report product offered by Aval Buró as part of its enterprise credit analytics suite, providing monitoring insights on credit portfolios.
- Certificado de Información Crediticia Standardized credit information certificate issued by Aval Buró and used by institutional clients and individual consumers to attest to a person's credit standing.
- Aval Academia de Crédito Educational offering from Aval Buró aimed at consumers seeking to learn about and improve their credit standing.
- Standardized credit reports Standardized credit reports from Aval Buró covering identity data, credit history, open credits, payment behavior, current debt, credit inquiries, accumulated scores (including Aval Score), savings, and investment information, used by financial institutions, commercial firms, and public sector entities for credit evaluation.
Quantifiable outcome
- 77% of Ecuadorians with credit are good payers (low risk)
- +3 more outcomes
Companies that use Aval Buró
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles4 records
Aval Buró technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability4 records
Feature3 records
Aval Buró partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- AsobancacoreStrategic partnership for Radiografía del Crédito publications - quarterly credit analysis reports combining Asobanca's banking perspective with Aval's credit bureau data. Joint research on credit behavior, gender analysis, and geographic distribution of credit in Ecuador's banking system.
- ALACREDminorMember of ALACRED (Latin American Association of Credit Reporting Agencies), regional industry association for credit bureaus in Latin America.
- Clúster Financiero del EcuadorminorCo-organizer and sponsor of the 7th Congress of Credit and Collections, Ecuador's largest credit industry event bringing together banks, cooperatives, and credit companies.
- Instituto de Banca y Finanzas IPBFminorPartner organization participating in the 7th Congress of Credit and Collections as co-organizer.
- AsomifminorMutual savings and finance institution association partner for credit education events and industry conferences.
Scale indicators10 records
Recent moves6 records
Expansion highlights6 records
Aval Buró competitors and assessment
Company assessmentOthers
- ALACRED member bureaus: Regional association of Latin American credit reporting agencies of which Aval Buró is a member. Comparable as a peer set of national credit bureaus operating in similar regulatory environments across the region.
- COOPCENTRAL / Cooperativas credit data providers: Cooperative-sector credit information exchanges serving mutualista and cooperative lenders in Latin America. Comparable to Aval Buró because they serve the same cooperative segment (71 cooperatives attended Aval's 7th Congress) with credit reporting and risk data.
Broad incumbents
- Experian: Global credit information group with significant presence in Latin America (including Datacrédito). Comparable as a credit bureau serving financial institutions and consumers with reports, scores, and decisioning analytics in the same market category.
- TransUnion: Global credit bureau with operations across Latin America. Comparable to Aval Buró in providing consumer credit reports, commercial credit data, and risk analytics to lenders and enterprises.
- Equifax: Global credit bureau operating in Ecuador and across Latin America. Comparable because it offers consumer and business credit reports, scoring, and analytics to Ecuadorian financial institutions, directly overlapping Aval Buró's core product.
Regional players
- Datacrédito: Colombian credit bureau (now part of Experian) that is a regional analog to Aval Buró. Comparable as a credit bureau serving banks and consumers in a single Andean/Latin American country with reports, scores, and analytics.
- Sentinel (Peru): Peruvian credit bureau providing consumer and commercial credit information to banks and retailers. Comparable to Aval Buró as a national credit bureau in an Andean market with similar regulatory and customer dynamics.
- Círculo de Crédito: Mexican credit bureau serving banks and financial institutions with consumer credit reports and scores. Comparable to Aval Buró as a national credit bureau that monetizes both enterprise subscriptions and consumer credit-report products.
Direct peers
- CRIF: Italian-headquartered credit bureau and decisioning specialist with strong Latin American operations. Closely comparable to Aval Buró as a credit information and scoring provider serving banks, cooperatives, and consumer finance players.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Aval Buró social profiles
Digital presenceAval Buró compliance and trust
Trust signalCompliance2 records
Aval Buró financial estimates
Financial estimateRevenue estimate
Valuation estimate
Aval Buró leadership team
Management profileNumber of profiles
Aval Buró funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Aval Buró M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Aval Buró
What does Aval Buró do?
Aval Buró is an Ecuadorian credit bureau that collects credit data on individuals and businesses and delivers credit reports, scores (including the Aval Score), and credit-history information to financial institutions, commercial companies, public sector entities, and individual consumers. It packages this data into standardized reports, certificates, and analytical solutions that lenders and other organizations use for evaluation, onboarding, portfolio management, collections, and recovery decisions.
Is Aval Buró a public or private company?
Aval Buró is a private company. It is classified as unknown and is currently operating.
When was Aval Buró founded?
Aval Buró was founded in 2019. It employs 101 to 250 people.
Where is Aval Buró based?
Aval Buró is headquartered in Quito, Ecuador, in the Latin America region.
How does Aval Buró make money?
Three revenue lines are on record. Credit Reporting Services are the primary driver. The others are credit Certificates and individual Credit Reports.
Who are Aval Buró's main competitors?
Others on record are ALACRED member bureaus and COOPCENTRAL / Cooperativas credit data providers. Broad incumbents are Experian, TransUnion and Equifax. Regional players are Datacrédito, Sentinel (Peru) and Círculo de Crédito. CRIF is listed as a direct peer.
Does Aval Buró have an API?
No public API is recorded for Aval Buró.
What industry is Aval Buró in?
Aval Buró's product category is Credit Bureau Services. Its primary akta.pro industry code is FSAKAKAA, Credit Bureaus & Consumer Credit Reporting Agencies. Its NAICS code is 561450 and its SIC code is 7320.