Exit Financial Credit Institutions It is one of the issues that most interests people who are currently on the list of defaulters of this association.
It is essential that your data is removed from the file since while they remain there, no bank, savings bank or any other financial or credit institution will provide any type of financing.
It is also essential to pay attention that one of the main inconveniences experienced by people who are or have been in a delinquent file has to do with what The creditor is the one who is obliged to officially notify the Credit Financial Institutions., the cancellation of the debt.
Unfortunately and irresponsibly, creditors rarely comply with this obligation, so in the end it is the debtor himself who is forced to communicate it.
In this regard, it is key that the person who appears in the list of defaulters, be the one who requests the cancellation of your data through a person in charge. This manager will be in charge of carrying out all the procedures that are required before the Financial Credit Institutions, in order to erase to complete the person's data and later, to be able to have access to financing.
It is essential that this is done through a specialized manager, since many delinquent files They have the bad "habit" of saving their customers' data in a "zero balance" or in a "paid" status. What does this mean? It's basically that the customer keeps showing up in the file list along with the old creditor's name.
It is a terrible way of reflecting that at one time, that person was not solvent, which for the course is illegal because it is not allowed to save adverse information in the sense that one day a person was a debtor. Whatever the case, we must never lose sight of the fact that personal data relating to a person's creditworthiness cannot be kept for more than 6 years.
Today there are several things you can do to get out of the Financial Credit Institutions in case you appear on the list of defaulters.
- Pay what you owe. It is highly recommended that one of the first things you do to get out of the ASNEF file is exactly to pay the debt for which you were added to the list of defaulters. This is one of the fastest ways to delete your data from the ASNEF file, at the same time that you must also inform the company of your intention to disappear from this file.
It is necessary to pay attention that in post 41.1 of Royal Decree 1720/2007 it is defined that “the payment or non-payment of the debt, will allow to establish the cancellation of all the data related to it immediately. Therefore, the entity is obliged to determine contact with the association to request that the default data registered at this time be eliminated.
- Use ARCO rights. Another thing you can do to get out of the list of defaulters of the ASNEF is to avail yourself of the rights provided in Organic Law 15/1999 on Protection of Personal Data, where the rights of access are recognized, as well as rectification , deletion. and opposition, to which all Spanish citizens can have access.
In this case, you must download the printed cancellation form from the official website of the Spanish Agency for Data Protection or, where appropriate, proceed to fill in the form using the PIN code. At this point, it is necessary to specify the reason why the cancellation right is requested, as well as to argue why it is contemplated that the debt is not real, without forgetting to provide all the information and documents that are necessary to support what has been saying. .
- Wait for the record to be deleted. In case all of the above has not yielded positive results, ultimately what you can do is basically wait 6 years for our data to be removed from the defaulter registry.
Remember that this is the maximum period of years in which you must store a person's default data in the ASNEF file. From this dynamic, after that time, a person can already have the certainty that his name, as well as all the information related to the non-payment, has been eliminated from the delinquent file. Therefore, it will not have a direct impact when applying for a loan with any bank or financial institution.
For people who at this time have a debt in default and are already or have been registered as delinquent in the ASNEF file, there are undoubtedly a series of concerns, even when the debt has already been liquidated.
1. How do I know if I appear in the ASNEF defaulter registry?
When you have a debt with a company and said company adds us to the list of defaulters of the ASNEF, before doing so you must send an ultimatum notifying your intention to add us to the list of the ASNEF, in case of course we do not. cover the entire debt. At the same time, the company has the obligation to inform us of the discharge within 30 days. This must be done by certified mail.
2. Does it have any cost to know if I appear at the Credit Financial Institutions?
The consultation of the data in the file of debtors of the ASNEF has no cost, is completely free and can be done at any time as many times as desired. For this, it is necessary to contact the association, either through an email message, by post, even by sending a fax or basically by phone. In addition, it is necessary to demonstrate that in fact we are the ones who make the request on our behalf.
3. Who can see my data in the Financial Credit Institutions?
Simply, anyone who requests access to the delinquent file can see that we are on that list. Regardless, to do this, you must become a member of the Financial Credit Institutions and pay a monthly fee. This payment makes it possible to request that the ASNEF operator carry out a search in the list with the intention of establishing if the data of any person is found and the reason for it.
4. How much is the amount of debt to add to the Financial Credit Institutions?
Although it is true that there is no minimum amount for a person to be added to the list of defaulters of the ASNEF, it is a fact that there have been cases in which a person has been added with a debt of only € 14. the list of defaulters. Therefore, someone who does not cover the entirety of a loan or a credit, it is practically a fact that they will end up on this list.
5. How does the permanence in Financial Credit Institutions affect a person?
From the first moment a person appears on the ASNEF's list of defaulters, it is more difficult for them to obtain any type of financing, including loans, credits or mortgages, regardless of whether it is a very large or very small amount. The reason is simple, since the first thing that any bank or financial institution does is exactly consult the file to check the solvency of the applicant.
6. How to remove the information from the ASNEF file?
The only, faster and more efficient way to erase the data of a defaulter in the Financial Credit Institutions, is basically paying the entire debt. It should be understood that while the default remains active, our personal and financial information will continue to be available in the ASNEF file.
7. How long does it take to remove my data from the Financial Credit Institutions?
Once the non-payment has been resolved, the company with which the debt was contracted, is obliged to erase all the information and data related to the non-payment in the list of defaulters of the ASNEF the same day. Due to the procedures that must be carried out, it is feasible that this is not done the same day, but with certainty after a month the person should no longer appear on this list.
8. Will I keep showing up in other delinquent files?
This will simply depend on the number of files in which the creditor has registered you, even though the most common is that only the person is registered in a single delinquent file. In spite of everything, once the non-payment is settled, the company with which the debt was contracted, has the obligation to erase any record of that person in the file.
9. I keep appearing in Financial Credit Institutions, but I have already paid my debt, why?
Sometimes it happens that even paying the debt, the person's data continues to appear in the file, mainly because the legislation allows such information to be stored for up to 6 years. The good news is that this rarely happens, as most likely only history is saved.
