Asnef/rai

Rai spain

Another of the most widely used delinquency files -but not to be confused with the two previous ones- is Experian Bureau Empresarial (EBE), which contains data on bank and multisector delinquency created by Experian. This list of defaulters is mandatory for the entire banking and telecommunications sector, available online and updated weekly.
These lists of defaulters collect the defaults of companies and professionals as well as non-legal persons -citizens/consumers-, in order to prevent and warn companies of the solvency and payment habits of their potential customers. It is for this reason that the delinquency registers become alarms that identify difficult financial situations or warnings about potential states of crisis.
Once inside, the period of permanence of the information is 30 months. This information may be provided to creditors (individuals or legal entities that can prove that they have a credit granted or requested by a client).

Asnef query

The lists and registers of defaulters are data files, usually automated, which reflect the non-payments of individuals and legal entities. There are different companies that elaborate this type of files, that what they do is to inform about the patrimonial solvency, but mainly about who pays and who stops paying their debts.
The debt is usually catalogued as the natural enemy of a healthy financial state and, nevertheless, it is also a necessary element to acquire certain goods and to obtain some economic objectives. Getting into debt (taking out a loan or accessing financing) is not intrinsically bad, as long as you are able to meet your obligations afterwards.
Non-payments are always a problem, regardless of their origin. Failure to meet mortgage payments, credit card payments or not paying a bill are acts that can have negative consequences for our pockets, especially if the company or entity decides to register us in one of the dreaded registers of defaulters.

Asnef quick inquiry form

Delinquency lists are files that provide information about people who have debts. The most common are ASNEF, RAI and CIRBE, and are frequently consulted by banks and financial institutions when assessing the granting of loans or financing. Being in them is a problem. It is even more so, if possible, for a self-employed person, since the future of his business may depend on access to financing. And it will be practically impossible for them to obtain it through traditional channels while they are included in any of these files.
When it comes to find out if you are included in one of these lists, from the blog specialized in advice for SMEs and self-employed Gestron, remember that you can do it through the Internet. In the case of ASNEF, with your DNI or CIF, as well as. You can also consult it by telephone or by post, to calle Albasanz, 16. 28037 Madrid.
On the other hand, you should know that the RAI also has an online platform, but in this case you will have a period of 90 days to conclude the debt. If you do not do so, you will appear on the list of defaulters for 30 months. In the case of CIRBE, it will be enough with the DNI and the completion of a form.

Asnef spain

Surely more than one of you has been surprised by the inclusion of your personal data, on some occasion, in a file of debtors without being previously communicated the matter and, what is worse, in relation to an unrecognized debt.
In order to try to avoid these situations we will explain what we can do when this happens, although we will begin by explaining what these files are and how they work, and we will end by indicating what our rights are in this respect.
For its part, the RAI file is the acronym of the Registry of Unpaid Acceptances (RAI) which, as defined on its website, has the purpose of «contributing to the reorganization of the financial system and improvement of commercial traffic, through the provision of information relating to payment defaults, through centralized computer systems».
The operation of the delinquency files, as regards the inclusion and exclusion of personal data, is governed by data protection regulations, specifically by Organic Law 15/1999 and Royal Decree 1720/2007.