The National Association of Financial Credit Establishments (ASNEF) is a list of delinquent that collects the necessary information from any person who is in a situation of payment either to an institution, company, client or relative.
Note that the ASNEF is not the only one related to non-compliance with payment obligations, since there is also the RAI (Registry of Unpaid Acceptances). It is noteworthy that the most common are non-payments to energy supply companies or telephone and Internet companies.
For an entity or debt collector include us in one of these files, we must have a debt of at least 50 euros, in the case of a natural person, or 300 euros, if it is a person legal.
Well, if you are a debtor, you may be included in a list of this type because you have a debt, but you can also be surprised to be after having paid it. That is why You may have doubts about your status regarding a payment and you want to check it.
How to consult via the Internet if you are a debtor
First of all, clarify that perhaps the easiest way for those who do not make much use of technological devices, and thus find out if you owe money, is by telephone. In Asnef you can call 917 814 400 and in the case of RAI, 902 103 406. You can also contact both organizations via email or go to their physical headquarters, located in Madrid.
If you want to check it on the internet, It is necessary to go to the website of these institutions and follow the steps that they will indicate to us.
In the case of RAI, where legal entities appear, it is necessary to register to make the query and take into account that the service is paid. On the ASNEF website you must fill out an application form addressed to the entity responsible for the delinquent file. In both cases, you can send the request by regular mail.
Finally, to get off a list of defaulters, the procedure is simple: You will have to accept the debt and pay it off.