1. What is ASNEF?
The National Association of Credit Institutions is an organization created in 1957 and regulated by Law 19/1997 of 1 April on regulation right of association. functions as liaison between the government, credit institutions specialized in consumer finance, English and other European professional groups and consumers of financial products.
addition, these acronyms, also called the default file largest in Spain, managed by Equifax, which contains information about unpaid credit operations by a debtor and data historic debt.
2. What is Industrial ASNEF file?
is a file, also managed by Equifax, which contains information on lending unpaid debt between companies or banks and financial institutions.
3. What differences between the file and the file ASNEF Industrial ASNEF?
The fundamental difference lies in that it provides information ASNEF debt of individuals and companies , while Industrial ASNEF data collected business delinquency.
4. How can include a company in the Industrial ASNEF file?
Companies participating in the reciprocal f Icher can include clients when there is a debt of more than 30 days , and has been a demand for payment .
5. Do you receive any notice to be included in ASNEF ASNEF or Industrial?
Only in the case of individuals , being a requirement under the Act 15/1999 of 13 December , but not required to notify the inclusion of legal persons . The Act specifies that the question should be i inquires in writing within thirty days to exercise their right to cancel or modify. In addition, that notice must declare who has entered in the register and how much .
6. How it affects businesses and individuals to be included in the file ASNEF ASNEF or Industrial?
The information in these files is provided by the consultants as a very relevant information when making any assessment a credit operation to be performed in its commercial operations. Therefore, any natural or legal person, which is within the file or ASNEF ASNEF Industrial may be adversely affected.
Although of course, not all appearances are comparable file and not the same show with a debt of EUR 35 with 10 different notes for debts of greater value.
7. How long are the data in the file?
While the AI \u200b\u200b R (Record of Acceptance Unpaid) the stay may be up to 30 months , in the case of Industrial ASNEF ASNEF or data can be held for six years from the introduction of unfavorable information file . In both cases after payment of the debt, the information must unsubscribe .
8. How can you leave the File ASNEF and Industrial ASNEF?
The only way out of these files is paying off debt, demonstrating its non-existence , or after completing the maximum legal term of six years of tenure. For
which have included data error and demonstrated that the debt does not exist, the person concerned must submit written evidence directly to the address of the file. After that, the victim should receive a reply within 10 days.
In the case where the debtor comply with its debt, will be the creditor which it is obliged to perform the relevant operations to clear the affected file and therefore will be the entity who will have to take such action if he did.
9. Do you keep information in File Industrial ASNEF after the cancellation of the debt?
not retained any information or historical registration.
article Cristina de Gregorio de 15/10/2010 in www.informacionalpoder.com
0 comments:
Post a Comment