What is ASNEF?
Perhaps many users do not know what these acronyms mean, which are otherwise well known. Well, ASNEF is one of the is one of the delinquent records most used used in Spain by companies and credit institutions. Corresponds to the National Association of Financial Credit Establishments. And it is a reputable Spanish business association that brings together entities of all kinds that are considered credit financial establishments.
You should know that if you have pending payments or debts with banks, electricity companies or mobile phone operators you will have all the ballots to be on their lists. From where other organizations that maintain relationships with customers can access your data. With the primary objective of knowing first-hand who the delinquent clients are and under what amount these non-debted movements are executed. Another aspect that you are interested in knowing is that it affects both individuals and companies. That is, if you are a small and medium-sized businessman, you can also appear on these lists.
While on the other hand, a peculiarity that this affiliation presents is that, according to the current regulations, you will not be able to be in the file more than six years without you knowing who the company is that has put you through this unpleasant situation. Therefore, your first objective is to unsubscribe from this ownership above another series of technical considerations. This in practice means that you will have no choice but to leave the files so that you are in a position to return to access private financing.
If for any reason, you consider that there has been an error, the quickest solution is to look for a arbitration process or, failing that, start a legal procedure before this decision. It will last for some time and will require an economic cost for hiring the professionals who defend your position. In all cases, what you should do is make your name disappear from the lists of defaulters, such as the one made by ASNEF.
How do I know if I am in ASNEF?
Knowing if we are on a list of defaulters, such as ASNEF or other similar ones, is a very important movement because it can prevent us from being exposed to undesirable operations by users. Among other reasons, because if we are included in this list, it is certain that our bank they will not grant us any line of credit: personal, for consumption, professional or for the purchase of a home. To the point that we will have to go to a non-bank entity that can meet our liquidity needs.
One aspect that we must take into account is that we can join a list of defaulters, not only for the payment of a loan. If not the opposite, with a debtor position before the operator of telephone, electricity or any kind of household receipts. Not surprisingly, financial institutions are able to access this customer data. In a few minutes they will know the real situation in which we are facing payments in companies of these characteristics. This is one of the main reasons why it is convenient to be in non-debtor situations against these service companies.
If for any reason we are on a list of these characteristics, our best decision will be to leave when before Of the same. Either for our personal benefit or simply to avoid having any kind of obstacles in the face of the demand for a line of credit in our bank. It will be, in short, the most effective and simple way to avoid any kind of problems from now on. The lists of defaulters are not a good companion for users in any situation and circumstance of their personal life. Don't forget it from now on.
How to know if I am in ASNEF?: with reference number and without reference number
As the delinquency rate has increased in recent years, it is more common for people to be found in this situation so little desired by them. Given the scenario, it will be the definitive moment to know if I am really on a list of these characteristics. If for any reason, you have lost the reference number, such as not having the ASNEF letter, you will have sufficient systems to clarify this doubt.
One of the most effective is send an email to this company so that they say what your status is at that time. You must print the inquiry letter, sign it and scan it to send it together with a copy of your National Identity Document (DNI). In a short space of time you should have in your possession the answer, and if pertinent, the information or data that the company has about your debtor position. Like the amount they demand in your debit positions.
While on the other hand, you also have another alternative to find out if you are on the ASNEF lists. In this case, you will have to send the appeal as soon as possible to the ASNEF Consumer Service. Where you should also have a firm and clear answer. Usually in less than 30 business days You will have a letter in your house indicating the company that has included you in this list of defaulters and the amount that it demands.
Another very different case is when you have a reference number and that will make the process more agile and simple. On this occasion, it is about digits with which defaulters are registered and that in theory they should receive them at their home through personal mail. By having this identification you will only have to access the Internet with these numbers that will require you to enter them. After a while it will appear if they are included in the list of defaulters, what have been the reasons for joining it and of course the amount of the debt.
This last procedure is the one that allows you to have this information better to verify that you can request a line of credit to spend the holidays, pay for the children's school or simply cover an unforeseen expense. In other words, both with and without a reference number, you will have no problem having this kind of information at any time and in any situation.
Can I know if I am in ASNEF online?
As we advanced in the previous chapter, it is possible to have this highly relevant information through the Internet. You should know that once these data have been published, the company will have no choice but to send the affected person that they have been included in this very special club. If for any reason, this were your case, do not worry as you can make sure of your inclusion or not through the Internet. With a series of conditions that you need to meet in all cases: as in the ones that we present below.
collect the digits with which they are registered and once you have entered the ASNEF website. This data will be required so that you can access it and you can finally clear up your doubts. Through an online consultation that will not involve any monetary outlay. To do this you will have to provide a series of data or information about yourself, such as the following:
- Name and surname of the applicant or, where appropriate, the company name, in the case of a company.
- Identification number. They can be several such as the DNI, NIE or CIF.
- Reference number. In the scenario that they have sent you a notification about your inclusion in the list of defaulters.
- Address of the person requesting this information.
- Telephone. Either the mobile or landline, although we recommend the first one because they could send you an SMS message for some type of notification.
- And finally, they will not require you to put the application date.
Therefore, knowing this information, that is, if I am really in the ASNEF, is a service that any user has the right to and that is recognized by current regulations. Through two sources that you can choose: on the one hand in this company and on the other hand through different online platforms that allow the possibility of collecting them online. Although at an economic cost depending on the company.
In any of the cases, if you have a slight suspicion about this scenario, it is highly recommended that you check it through a query of these characteristics, that is, online. First of all it will help you clear all doubts about this aspect that can be so important for banking relationships or other financial companies. And secondly, because it will help you to settle the debtor positions. Given the possibility that in the coming months you will find yourself in need of requesting any line of credit. Among them personal, for consumption, business financing or even a mortgage to cover the purchase of your home or other real estate.