How do I know if I am in Financial Credit Institutions?

One of the biggest problems for users is that they are integrated into a list of defaulters. There are many of these characteristics, but some of the most recognized are ASNEF, RAI, etc. If your name appears on any of these lists, you will certainly have more than one obstacle. Fundamentally in its relationships with financial organizations. To the point that the granting of any means of financing can be denied. Just for being one of the people who join these lists so little desired by consumers

There may be many reasons for you to be on the list of ASNEF, RAI, etc. But one of the most relevant is that you are in debtor position with any bank. In other words, you owe money for the granting of a loan, but also caused by other banking operations. As an example, not having paid the overdrafts in your checking account. This is one of the main reasons why you should be very careful to be at peace with your usual bank. Because it can hurt you in the very near future.

In spite of everything, a large part of users fall into the serious error that only debtor positions with banks are the reason for being on a list of defaulters. Because it is not really like that, but on the contrary you can also be included for non-payments to other companies. Among which the landline or cell phone operators, insurance companies and even domestic service providers (water, electricity, gas, etc.). As you will be checking to accumulate debts in any service it will not be profitable. At the same time, you will close many deals with the bank you usually do business with.

Am I on the ASNEF list?

Now comes the most interesting and is to know if your name appears in a list of defaulters at the end. It is not very difficult to detect it, but on the contrary you should dedicate a little time to this task. But in the end you will have the total security of whether or not you are in ASNER, RAI or another list of these characteristics. Well, first it will be necessary for you to know in depth what these associations that generate so much fear among a good part of the users consist of. So that in this way you have clearer what will your situation be if it is included in the list of these entities.

With regard to ASNEF, it is an association, whose acronym means National Association of Financial Establishments, which includes companies of all kinds (banks, telecommunications, insurance companies ...) and also public administrations. The problem is that many of those people who are registered in this file they don't even know it exists nor what is this entity. But it is not the only entity that pursues these ends, but on the contrary there are many others that are not as recognized as this one.

Queries in the archives

To verify that you are truly registered in the ready of defaulters of the ASNEF, you only have to access their web portal, through a telephone consultation and ask if you are truly integrated in their file. It will be the most agile and quick strategy to investigate your financial situation. From this dynamic, you can be sure that your name is or is not on this list of debtors. Whatever the case, banks have access to them and consult them to see if they can approve their clients' request. But they are that they can give you information about the result of these commercial investigations.

Another system that you can use to make sure that your name is not included in any list of defaulters or that you have outstanding debts with companies is through the file access. First of all, it will be necessary for you to send a legal consultation document to the company responsible for the ASNEF debtors file. As a result of this action, you will have free access to the archive of this association. From this dynamic, you will be able to check if you are one of these people who is in a debtor situation with a company or body. At the same time, at all times.

How to remedy this situation?

On the other hand, one of the objectives of the participants of the ASNEF-style lists is to get out of them. For this you have several strategies so that you disappear from the list as soon as possible. Are you interested in knowing what these strategies are and how to manage them? Well, pay a little attention because they can help you get out of more than one obstacle at some point in your life.

The first stage of the procedure will consist of paying the debt as soon as possible so that you are in a position to request that your data are removed from the registry. So that from this dynamic you no longer appear in the group of delinquent clients. Another option you have at hand is to demonstrate that the procedure has not been developed in accordance with current regulations. This in practice is based on the fact that these types of companies are obliged to inform you in writing in advance. Specifically, the expiration period of this notification is 30 days.

Denial of credits

One of the most feared effects of being on the ASNEF list is that you will have access to any type of financing from prohibited credit institutions. In spite of everything, you have not lost everything. Not much less. Because some online financial platforms They offer loans with Credit Financial Institutions so that the people included in these delinquent files can achieve their objectives. In spite of everything, these are very special lines of credit. They are characterized by the fact that they are granted in reduced amounts, generally less than 3,000 euros. And with very abusive conditions on the part of these financial entities. In particular, due to the fact that they originate a very high interest rate, in most of the offers above 20%.

Whatever the case, it's a stingy solution to equip yourself with liquidity in situations of great urgency. For example, pay off debts with third parties, pay taxes or exceptional special monetary demands. On the contrary, one of the advantages of this very special type of credit is that it can be formalized in a very short time. Because in a few minutes you will have it in your checking account and with a more agile formalization. In other words, you will not need to justify the destination of the amounts. Not even to present a series of documents: payroll, income statement or income from recent years. To the point that the request is materialized in most cases through a form.

Conclusions on this scenario

Decidedly, this situation is not about something that is foreign to you. It can happen to you as it happens with hundreds and hundreds of users who have ended up with a situation of defaults. It is very necessary that you check what is the real case of your person. Because if so, you will have no choice but to quickly rectify this incident. Even when it is a serious obstacle to adapt to your family or personal budget. Not in vain, in the medium and long term it will be a decision that will more than compensate you. To the point that you can get it for a truly insignificant debt. But undoubtedly that will harm you in your relationships with credit institutions.

You may think that the debt you are holding is known only to you and the other party. It is a serious mistake that you can pay dearly from now on. And if it is the consequence of an abusive action on the part of the affected entities, the best situation will be to explain why you have reached these debtor positions. You will certainly come to a satisfactory agreement with the other party so that they are never included in a list of these very special characteristics. You will see how this solution based on the consensus of both parties is much better.

On the other hand, it cannot be forgotten that a bad deal is always better than reaching this drastic situation. Beyond the amounts required by the other party. In this regard, it is an action that occurs with certain frequency in fixed telephony and cell phone operators, as well as in the main home services (mainly gas and electricity). This is one of the main reasons why you cannot stay in this situation. Because at the end of the day, financial organizations they will end up discovering everything. As painful as this is for your personal interests.

From this general scenario, do not doubt that it is a very common action and that before including you in Financial Credit Institutions (or other lists of defaulters) the company to which you owe money will try to find out what has really happened and what it is trying to collect. that money you owe in your accounting positions. Because, and in conclusion, it cannot be ruled out that the affected company will try by all means to exhaust the amiable path. It may be the perfect answer for both of you. You should at least reconsider what is best for you.