The Asnef is a file of defaulters that was established in 1957 and is currently managed by EQUIFAX IBERICA SL It is considered the most important and the most widely used file of defaulters that exists today.

What is the National Association of Credit Financial Establishments?

Asnef means "National Association of Credit Financial Establishments", although at some point it was also known as "National Association of Financing Entities".

Basically it is a Business association in which all types of entities are grouped, from financial entities, supply companies, telephone companies, public administrations, as well as publishers, insurance companies, among others classified as financial credit establishments.

They are therefore credit institutions that specialize in offering loans and that, in general terms, have the capacity to carry out a wide range of financial asset operations, however they do not have the authority to collect deposits from the public.

The establishments that are associated with Asnef, They generally specialize in granting consumer credit, however it is common for them to also carry out other types of functions such as granting guarantees and endorsements, factoring, financial leasing, as well as the issuance and management of cards. of credit.

How does this Association work?

As already mentioned, Asnef was founded in 1957 and since then it is known mainly for its famous registry of defaulters, which is in fact the largest that exists in Spain and is known simply as the Asnef File.

This file of defaulters contains information related to all the people who have a debt in default with precisely one of the establishments associated with Asnef.

What these establishments do is provide this customer default information to the association, with the intention that before granting a credit or a loan, the associated establishments can easily verify that the potential client does not appear registered as delinquent in this file.

Currently, virtually none of the financial establishments that are grouped in the Asnef, grants any type of credit to the people who appear in the file for any circumstance. It is also important to mention that the Asnef file is regulated by article 29 of Organic Law 15/1999 of December 13, in the section on Personal data protection.

Consequently, it is a file that is considered as oriented information file to the fulfillment or non-fulfillment of monetary obligations and in which those who provide it that are included in said file are creditors.

Asnef also complies with these regulations, in addition to having a Consumer Attention Service, in which attention is given exclusively to consumer requests and in particular, its objective is to make effective all the rights recognized in the law.

What is EQUIFAX?

EQUIFAX is a consumer credit reporting agency, based in the city of Atlanta, in the United States, whose subsidiary in Spain, EQUIFAX Ibérica SL, is in charge of managing the delinquent file.

The role of this agency is to collect and aggregate information about both individual consumers and businesses.

In addition to offering credit data and services dealing with business demographics, EQUIFAX also sell credit monitoring services as well as fraud prevention services directly to consumers.

Requirements to be registered in Asnef

Due to characteristics of its operations and the way they are carried out, Asnef has been convicted on many occasions for violating the right to Honor. This has brought them many problems, mainly because their actions are contrary to what is established in Organic Law 15/1999.

Remember that this Personal Data Protection Law, empowers debtors to check whether or not they are registered in Asnef as delinquent. There have been cases in which the association has even people who do not meet the prerequisites for inclusion.

That is, for a person to be registered as delinquent in the Asnef file There must be a certain and enforceable debt with a maximum of 6 years, in addition, said debt must also have been previously requested by the creditor and once this is done, the debtor must be notified by the association itself, which is already included in the file. defaulters.

Thanks to this, there are currently many cases in which sue Asnef and even many of these lawsuits have resulted in convictions for said association.

What are the rights of those affected?

The regulations governing data protection recognize the affected persons with rights that those responsible for the file must enforce.

The rights of those affected include:

• Right of access. All the people who are affected have the right to request and obtain information related to their personal data that are included in the Asnef file in an automated way.
• Right of rectification and cancellation. In this case, it is a right by which an affected person can request that all the information that appears in the file and that it be inaccurate, incomplete or excessive be rectified or canceled.

It is worth mentioning that all these rights of those affected are of personal character and therefore they may only be exercised by the person who has been affected, duly proving their identity.

The only person who can act in your place is your legal representative, but only when you are disabled or under the age of majority, which prevents you from personally exercising your right. If this is the case, the legal representative must prove those conditions.

For the people appearing in the Asnef file, basically means that they do not have much chance of getting a loan, even if they have the means to pay for it.

The information that appears in this file is consulted daily by banks and other financial institutions to ensure that they do not grant financing to a person classified as delinquent.