One of the information that more has come out of the last results published by the principal Spanish banks has been the increase of the valuation of slowness up to annual maxima. The lists of bad debts engrosan his databases with new debtors who turn out to be unable to confront his payment and it is that the economic crisis is doing ravages between the population and that there joins the increase of interest rates that we have suffered during last two years, even if now these increases seem to relax.
But: what sound these lists of bad debts?
They are not but automatic files in which natural and juridical persons are included both that they have broken with his payments. Namely after all it is a question of taking a bad debts record so that the Financial institutions know the economic potential that there has a client with whom they are going to establish some commercial relation.
The bad debt will be able to be inscribed a maximum of 6 years by the non-payment of every debt, and inscribe it from the fourth month after the expiration of the payment that it broke.
Obviously, appearing in these lists is a completely negative situation for the person who has registered in him, since to the being the first reference that the Banks take in the investigation of the solvency of the client, will make difficult the possibility that he could ask for credits or loans and that they grant him to themselves.
What are the lists of existing bad debts?
The list of databases of bad debts that exists is long since it is believed that there are more than 130 companies that prepare their own records. But the most important and most well-known are the following ones:
- The RAI (Record of Unpaid Acceptances): It is most known probably of all and it is managed by the center of interbank coooperación in which there intervene Banks, Savings banks and Credit companies. His phone for any doubt that you have is: Tf. 372 92 62
- Asnef Equifax (National Association of Financial Establishments of Credit) is uan reference that the Credit companies but also companies of consumption use not only like those of the water, phone or gas. To get in touch with them, here you have his phone: Tf: 556 20 11
- SEIDO (Technical Information of the Credit)
- Badexcug (Experian Bureau of Credit).
In our next article we will speak to you about why motives and how we can turn out to be included in a list of bad debts and of how to go out of them.
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