Being in ASNEF, requesting a loan and having it rejected at the last minute, or having problems finding financing, are some of the possible situations that those who have their name included in a list of defaulters go through and had no evidence of it.
For those people who have doubts about it and want to make sure if that is the reason, it is for whom this text is directed.
Many people believe that their name cannot appear on any list of defaulters because at the time they have left an unpaid invoice or returned a receipt, it was for an amount that did not exceed 20 or 30 euros.
This is a very common mistake. To be included in ASNEF there is no established minimum amount.
In the event that a company wants to include our name in ASNEF, the usual thing is that we are notified 30 days in advance. But, we may never receive that notification and that in the same way, a company includes us on a list of defaulters.
The moment you have an invoice pending for a long time, you are late in making a payment or if you have not returned a credit on time. It is possible that you are on a list of defaulters such as ASNEF or RAI. Many times they are insignificant bills, which have been passed or you have left for later .
The problem is that if they include you in these delinquent files, it may be very difficult for you to get financing later. Being in Financial Credit Institutions may not give you the possibility of making installment payments in many businesses.
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The only way to be completely sure that we are not included in ASNEF is not to have left anything unpaid . Because in the end, even of the smallest amount, there is always some record.
If we want to make sure that we do not appear in any of these records, the steps to follow are the following:
By any of the aforementioned ways we can have proof of whether we appear in said files and in the event that you are registered in Financial Credit Institutions you can consult our guide on how to leave Financial Credit Institutions.
If you are looking for financing and you find yourself in this situation you can consult our article on personal loans being in the ASNEF and without endorsement .
We are going to propose you a series of tips so that you can leave Financial Credit Institutions quickly and easily .
With the current crisis, there was an upturn in the number of debt defaults that, in a way, has caused the consequences of being included in a file of defaulters to be not as serious as they were years ago.
Even so, these consequences still exist, the most important of which is greater difficulty in finding funding.
The simple fact that a name appears in ASNEF is more than enough reason for practically all the banking entities to which you go in search of a loan reject the application. And they will only end up giving the green light if we can previously demonstrate that the inclusion in ASNEF is the result of an error.
The problem is that the interests, in this case, will be much higher, and the conditions for compliance with the deadline much more demanding.
Companies and freelancers can also be affected by appearing on the ASNEF list. Especially in the case of trying to hire new suppliers, who will have to prove solvency effectively.