Of all the lists that have been and to be had, the list of defaulters is one that no one would want to be on. However, any outstanding debt, be it telephone, electricity, water, community of neighbors, etc. it can make you end up in it. But, How do I know if I am on the delinquent list? It is one of the common questions that many people ask themselves.
The list of defaulters, or Asnef, as it is also known, has a list of all the people who have defaulted on their payment obligation, in such a way that their name will appear on them and they are public, which means that anyone You can check them to see if anyone is on it. But what else do you know?
What is the list of defaulters
La list of defaulters is actually a database where the people who have a pending payment obligation are reflected with some company. For example, because the water, electricity, a bank loan, the Internet have not been paid ...
The purpose of the list is to offer anyone a list of those who are not "reliable" with the payment, that is, they do not pay what they owe. This helps to formalize the granting of credits or to start a relationship with this person (since sometimes they require more conditions to ensure payment for being on this list).
La list of defaulters is made up of more than four million Spaniards, and this tends to increase. Some get out, while others get in. What you should know is that, despite the fact that the best-known list of defaulters is the ASNEF, that is, the National Association of Financial Credit Establishments, in reality there are 130 companies that prepare this type of lists in which it is reflected the population that has defaults.
Others of the best known are:
- EQUIFAX: internationally.
- RAI: is the Registry of Unpaid Acceptances.
- CIRBE: it is a record of all the loans that financial institutions have conceived and that, therefore, make the person who receives the loans a debtor of that money.
How to know if I'm on a delinquent list
How do I know if I am on a delinquent list? Although many people have no idea what to do to find out, the truth is that knowing this information is very easy. Especially since we are talking about a public record, that is, anyone can see it.
For that, it is enough to have your DNI or NIF number, as well as your postal address, so you can know if you are on any of those lists.
And where can you do it? Well, thanks to the Internet, you can visit the web pages of the companies that make lists of defaulters to consult their databases and, thus, find out if you are or not.
Now, the Internet is not only the only way to know if I am on a delinquent list. Also, many companies have a telephone number that you can call or physical offices to go to to start the process and find out if you are there or not.
Usually the process follows the following steps:
- An application form is filled out. This normally needs your personal information and, in some cases, also certain information about the outstanding debt.
- Within 10 days, these data are consulted and a response is received from the list to know if you are on it or not. In case you are, they may give you more details about it, such as what debts you have, with whom, the amount, etc.
What to do if I am
Have you been surprised and are you on a list of defaulters? The first thing to do is calm down. It's not the end of the world nor is it supposed to be a bad person for it. Many times, life circumstances make us owe an amount of money to a company.
It is convenient that collect the debts that are outstanding in order to see how much is the total amount of the debt and with whom you have it.
In general, the list of defaulters includes people who have a minimum amount to owe of 50 euros (that is, you can already enter it for very little). But some requirements must also be met (established in Organic Law 15/1999 on Protection of Personal Data) which are:
- That four months have passed since the default.
- That the inclusion of your name in a list of defaulters has been notified (one month in advance). If this does not happen, the person can claim immediate departure.
In this month in advance, the person can claim, or make the payment, which would make it no longer on the list. Also, the maximum time a person is on the delinquent list is only five years. After that time, the data on debts can no longer be transferred. Does that mean that the debt is forgiven? No, but the name will not appear in the listings.
How to get off the delinquent list
It is clear that the solution to not appear on the list of defaulters is pay what is owed. But you can get a surprise and that is that, even if you pay, you keep showing up. This is because the creditors, that is, the companies to which you owed money, are not going to take care of updating the data on the lists, and that implies that you may have paid off your debt, and continue to appear on these lists.
In this case, once you pay, we recommend that you get down to work to ask the listings where you appear to delete you.
To do this, you have to formally request it, attaching a document that certifies the payment of that debt, in such a way that it is deleted from your database. The response of the registration company should not take more than 10 days, where your right of access, cancellation, opposition and / or rectification must be enforced. In the negative case (for example because they ignore you, or do not want to remove you) you can file a claim with the Spanish Data Protection Agency (AEPD) attaching the documents of how you have requested the cancellation, what you have contributed, and the answer that they have given you.
Has it ever happened to you? How did you know you were on a delinquent list?