Appearing on ASNEF is bad news. This means that you will have problems when requesting a loan or making arrangements with financial institutions. If you have debts with some companies and you do not resolve them quickly, the usual thing. Is that they end up including you in a file of defaulters . This is common, for example, with telephone companies should defaulter file or the electricity bill. It is true that some financial institutions grant credit even if you are in ASNEF, but the most serious banks consult the defaulter files before granting mortgages or other loans, so if you are looking to buy a home you will have a problem. How being on a list of defaulters affects you: these are the consequences of appearing in ASNEF or another file ASNEF is the main document for debtors in Spain.
Once you know that you appear in ASNEF
How do you know if you are in ASNEF? When you are included in a file of defaulters such as ASNEF , the usual thing is that you receive a letter at your home explaining all the details. This document shows the debt, the company you must pay and a should defaulter file reference number. You can use this figure on the Equifax website (the company that manages the defaulter file) to Spain Mobile Number Database verify that you are actually listed in ASNEF. Another option is to write to to find out if you are in the file . You will have to send a copy of your ID and answer some questions from the ASNEF managers. Furthermore, when you appear in a file of defaulters you usually receive calls from debt collection companies.
This occurs when no prior request has been made
As soon as ASNEF receives notification that you have solved the problem, it will remove your name from the file. 7 steps you can follow to free yourself from harmful debt and have stable personal finances Of course, there are times when you appear by mistake. In the defaulter file or you simply do not agree with the debt they indicate. In this case you will have to should defaulter file contact ASNEF and explain your reasons, proving any document that may prove your reason. For example, an invoice that shows that you have paid. There are also some defects and errors on the part. Of the defaulter Bolivia phone number list file that are sufficient cause for your name to be removed. or when 6 years have passed since the debt arose , since after this period of time it is extinguished. If those responsible.