Getting out of ASNEF is one of the issues that most interests people who are currently on the defaulters list of this association.

It is essential that your data be removed from the file since while they remain there, no bank, savings bank or any other financial or credit institution will grant any type of financing.

It is also important to note that one of the main problems experienced by people who are or have been on a defaulters' register is that the creditor is the one who is obliged to officially notify ASNEF of the cancellation of the debt.

Unfortunately and irresponsibly, creditors rarely comply with this obligation, so in the end it is the debtor himself who is forced to communicate it.

In this regard, it is crucial that the person appearing on the defaulters list requests the removal of their data themselves through a manager. This manager will be responsible for carrying out all the necessary procedures with ASNEF (the Spanish credit reporting agency) to ensure the person's data is finally deleted, thus enabling them to access financing.

It is essential that this be done through a specialized manager, as many credit reporting agencies have the bad habit of storing customer data with a "zero balance" or "paid" status. What does this mean? Simply that the customer continues to appear on the database list along with the name of the former creditor.

It's a terrible way to reflect that at some point, that person was insolvent, which is of course illegal because it's not permitted to keep adverse information indicating that a person was once a debtor. In any case, it's crucial to remember that personal data regarding a person's creditworthiness cannot be stored for more than six years.

Currently there are several things you can do to get out of the Financial Credit Institutions in case you appear on the list of defaulters.

• Pay what you owe. It is highly recommended that one of the first things you do to get out of the ASNEF file is precisely to pay the debt for which you were added to the list of defaulters. This is one of the fastest ways to remove your data from the ASNEF file, in addition to the fact that you must also inform the company of your intention to disappear from this file.

Keep in mind that in article 41.1 of Royal Decree 1720/2007, it is established that “the payment or default of the debt, will allow to determine the cancellation of all the data related to it immediately. Therefore, the entity is obliged to establish contact with the association to request that the data of the non-payment currently registered be eliminated.

• Use ARCO rights. Other things you can do to get out of the list of defaulters of the ASNEF is to avail yourself of the rights stipulated in Organic Law 15/1999 on Protection of Personal Data, where the rights of access are recognized, as well as rectification, elimination and opposition, which can be accessed by all Spanish citizens.

In this case, it will be necessary for you to download the printed cancellation form from the official website of the Spanish Data Protection Agency or, where appropriate, proceed to fill in the form using the PIN code. At this point, it is necessary to specify the reason why the right of cancellation is being requested, as well as to argue why it is considered that the debt is not real, without forgetting to provide all the information and documents that are necessary to support what has been said. .

• Wait for the record to be deleted. In case all of the above has not yielded positive results, ultimately what you can do is simply wait 6 years for our data to be removed from the defaulter registry.

Remember that this is the maximum number of years for which a person's payment default data must be stored in the ASNEF file. After this period, a person can be sure that their name, as well as all information related to the default, has been removed from the defaulters' file. Consequently, it will not directly affect their ability to apply for credit with any bank or financial institution.

Key questions about ASNEF

For people who currently have a debt in default and are already or have been registered as delinquent in the ASNEF file, there are undoubtedly a series of concerns, even when the debt has already been liquidated.

1. How do I know if I appear in the ASNEF defaulter registry?

When you have a debt with a company and said company adds us to the list of defaulters of the ASNEF, before doing so you must send an ultimatum notifying your intention to add us to the list of the ASNEF, in clear case that we do not cover the entire debt. In addition, the company has the obligation to inform us of the discharge within 30 days. This must be done by certified mail.

2. Does it have any cost to know if I appear in the Financial Credit Institutions?

The consultation of the data in the file of defaulters of the ASNEF has no cost, is completely free and can be done at any time as many times as desired. For this, it is necessary to contact the association, either through an email message, by post, even by sending a fax or simply by phone. It is also necessary to prove that we are actually the one making the request on our behalf.

3. Who can see my data in the Financial Credit Institutions?

Basically anyone who requests access to the file of defaulters can see that we are on that list. To do this, however, you must become a member of the ASNEF and pay a monthly fee. This payment allows you to request that the ASNEF operator perform a search in the list with the intention of determining if the data of any person is found and the reason for it.

4. How much should the amount of the debt be to be added to the Financial Credit Institutions?

Although it is true that there is no minimum amount for a person to be added to the list of defaulters of the ASNEF, it is a fact that there have been cases in which a person with a debt of only € 14, has been added to the list defaulters. Consequently, someone who does not cover the entirety of a loan or a credit, it is practically a fact that they will end up on this list.

5. How does it affect a person to stay in Financial Credit Institutions?

From the first moment that a person appears on the ASNEF's list of defaulters, it is more difficult for them to get any type of financing, including loans, credits or mortgages, regardless of whether it is a very large or very small amount. The reason for this is simple, since the first thing any bank or financial institution does is precisely consult the file to check the solvency of the applicant.

6. How to delete the information from the ASNEF file?

The only, fastest and most efficient way to eliminate the data of a defaulter in the ASNEF, is simply by paying the entire debt. It must be understood that while the default remains active, our personal and financial information will continue to be available in the ASNEF file.

7. How long does it take to erase my data from the Financial Credit Institutions?

Once the non-payment has been resolved, the company with which the debt was contracted, is obliged to eliminate all the information and data related to the non-payment in the list of defaulters of the ASNEF the same day. Due to the procedures that must be carried out, it is possible that this will not be done on the same day, but with certainty after a month the person should no longer appear in this list.

8. Will I continue to appear in other delinquent files?

Basically this will depend on the number of files in which the creditor has registered you, although the most common is that only the person is registered in a single file of defaulters. However, once the non-payment is settled, the company with which the debt was contracted, has the obligation to eliminate any record of that person in the file.

9. I keep appearing in Financial Credit Institutions, but I already paid my debt, why?

Sometimes it happens that even paying the debt, the person's data continue to appear in the file, mainly because the law allows such information to be stored for up to 6 years. The good news is that this rarely happens as most likely only history is saved.