The Asnef is a delinquent file that was established in 1957 and is currently managed by EQUIFAX IBERICA SL The most important and most used file of defaulters that currently exists is contemplated.
Asnef means "National Association of Credit Financial Establishments", even though at one time it was also known as "National Association of Financing Entities".
It is simply a business Association in which all types of entities are grouped, from financial entities, supplier companies, telephone companies, public administrations, as well as publishers, insurance companies, among others classified as financial credit establishments.
They are therefore credit organizations 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, In general, they specialize in providing consumer credit, however it is common that they also perform other types of functions such as granting endorsements and guarantees, factoring, financial leasing, as well as the issuance and management of cards. of credit.
As already mentioned, Asnef was founded in 1957 and since then it has been known mainly for its famous history of defaulters, which in fact is the largest in Spain and is basically known as the Asnef Archive.
East file of defaulters contains information related to all the people who have a debt in arrears with exactly one of the establishments associated with Asnef.
What these establishments do is grant this default customer information to association, with the intention that before offering a credit or a loan, the associated establishments can easily verify that the potential client does not appear registered as delinquent in this file.
At this time, 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 situation. It is also essential to mention that Asnef's file is regulated by post 29 of Organic Law 15/1999, of December 13, in the chapter on Personal data protection.
Therefore, it is a file that is viewed as file oriented information to the fulfillment or non-fulfillment of pecuniary obligations and in which those who provide it are creditors that are included in said file.
Asnef also meets these regulations, at the same time as having a Consumer Attention Service, which exclusively attends to consumer requests and in particular, its purpose is to make effective all the rights recognized in the legislation.
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 compile and aggregate information on individual consumers and companies.
At the same time to offer credit data and services By addressing business demographics, EQUIFAX also sells credit monitoring services as well as fraud prevention services directly to consumers.
Because characteristics of its operations and the way they are carried out, Asnef has been convicted on numerous 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 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 even has people who do not meet the previous requirements to be included.
In other words, for a person to register as a criminal in the Asnef file There must be a certain and enforceable debt with a maximum of 6 years, at the same time, 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, at this time there are many cases in which sue Asnef and even many of these lawsuits have resulted in convictions for said association.
The regulations that regulate data protection recognize those affected some rights that those responsible for the file must enforce.
The rights of those affected include:
- Right of access. All affected persons 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 circumstance, it is a right through which an affected person can request that all the information that appears in the file and that is 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 can only be exercised by the affected person, duly proving their identity.
The only person who can act in your place is your legal representative, but only when you are disabled or a minor, which prevents you from exercising your right personally. If so, the legal representative must prove said conditions.
For the people appearing in the Asnef fileIt simply means that they do not have many alternatives to get a loan, even if they have the means to pay it off.
The information that appears in this file is consulted daily by banks and other financial organizations to ensure that they do not grant financing to a person classified as delinquent.
