Do you suspect that your name may be on the delinquent list and you want to check it? Don’t worry, it’s something simple. The call fichero Asnef It is a database in which entities can register the data of assumptions defaulters.
This file is operated by ASNEF-EQUIFAX SERVICIOS ON SOLVENCIA Y CRÉDITO SL, a company better known as EQUIFAX, so that the file is also known as ASNEF EQUIFAX.
The fact of being on the list of defaulters means that you have outstanding debts which will make it impossible for you to have access to credit and quite possibly even any type of simpler personal financing such as a deferred payment. In fact, the first thing that entities do when a person is going to apply for a loan or financing or any other operation involving an economic risk is to consult the file, in order to check if it is up to date with payments in similar operations with other entities.
The entities that participate in the file may belong to the following sectors: banks, savings banks, credit cooperatives, financial credit establishments, renting entities, reciprocal guarantee companies, telecommunications, oil companies, credit insurance, publishing companies and distributors of books, office automation, card distributors, fixed and mobile telephony operators, cable operators, integrated telephony, branded financial establishments, cement, transport, rent a car, food, energy, stock and exchange agencies, according to Asnef’s website
How to know if I am in Asnef
There are people who do not know whether or not they are on the delinquent list. And in reality it’s not a bad idea to check it just in case, for the simple reason that when it includes you. Asnef notifies you by postal mail and that letter may be lost or that you have changed your address. What if you left a pending payment when changing phone company? What if when you change your house you did not receive an invoice?
Knowing if you are in the file of the National Association of Credit Financial Establishments (Asnef) is totally free. Although there are web pages that ask for money for this consultation, the reality is that you can request this information only with the DNI and a few other data. In fact, the Asnef website clearly warns that “ASNEF and EQUIFAX have no relationship with websites or companies that claim to have access to the File and offer immediate information on it by paying a fee.”
1. The consumer service phone It is 917 814 400. In it, they only provide general data to respect confidentiality.
2. To make the query online you can fill out an application form. This process requires attaching a photocopy of the ID or passport and an email address where the response will be received.
3. You can also contact ASNEF directly by sending an e-mail to the address sac@equifax.es.
4. You can also send your request to P.O. Box 10546, 28080 Madrid. In this letter, you can include these forms that Asnef has prepared:
• Agile consultation of files (to consult their data in the Files)
• Agile exit files (to exit the Files with documentation proving the payment)
• General files (for rectification, cancellation or opposition)
Paul is a talented author and journalist with a passion for entertainment and general news. He currently works as a writer at the 247 News Agency, where he has established herself as a respected voice in the industry.
