Remove from ASNEF and Spanish debtor registers

Get off a Spanish debtor register when the listing is unlawful

If you are listed on ASNEF, Badexcom or another Spanish debtor register without reason, or for a debt that is paid or disputed, we request erasure and complain to the AEPD.

Analysis

Free, within 24 hours

Timescale

From a few weeks to several months if a complaint is needed

Our commitment

We review your case first and tell you whether the listing can be challenged.

ASNEF-Equifax, Experian Badexcom and other registers

We check the requirements of Article 20 of the LOPDGDD

Erasure if the listing is unlawful or the debt is paid

Complaint to the AEPD and court action with a law firm we work with

Why being on a debtor register matters

You are refused a mortgage, a loan, a credit card or even an electricity or phone contract, and nobody tells you why. Very often the reason is an entry on a credit default register, such as ASNEF-Equifax or Experian Badexcom, for a debt you did not know about, disputed or have already paid.

This also happens to people who no longer live in Spain: an old phone contract or utility bill left behind after moving abroad can end up on one of these registers. We handle it remotely and in English, wherever you are.

Being on one of these registers is not a penalty, but in practice it closes doors. And the law sets very specific conditions for listing you, which are not always met.

What the law requires to list you

Article 20 of the Spanish Data Protection Act (LOPDGDD) sets out these requirements, among others:

The debt must be certain, due and payable. If you disputed it beforehand through administrative or court proceedings, or a binding dispute resolution procedure, it should not be listed.
The creditor must have asked you for payment and told you that you could be listed on the register, either in the contract or when claiming the debt.
The data can only be kept while the debt remains unpaid, with a maximum of five years from the date the debt fell due.

If any of these requirements is not met, the listing is unlawful and you can ask for it to be erased.

How we do it

We exercise your right of access, which is free, to find out which registers you are on, who listed you, for what amount and since when.
We review the documents: contract, invoices, notifications and any proof of payment or earlier complaint.
We request erasure from the register and the creditor when the debt is paid, has exceeded the five-year maximum, was disputed or there was no prior request for payment.
If they do not reply or refuse, we file a complaint with the Spanish Data Protection Agency (AEPD).
If the case requires it, we take it to court with a law firm we work with, including a claim for compensation for the harm the unlawful listing has caused you.

Before anything else

Ask for receipts for any payment you have made and keep any complaint letters or emails. Many cases are resolved with that alone, without going to the Agency.

When there is not much to be done

If the debt exists, is yours, was properly claimed and is still unpaid, the listing is lawful. In that case we will not sell you a solution that does not exist: the most useful thing is to negotiate payment with the creditor and, once paid, ask to be removed.

To have your case reviewed with no obligation, request the free analysis. And if you believe the listing has caused you serious harm, see our legal action page.

Frequently asked questions

How do I know if I am on a debtor register?

By exercising your right of access with each register, which is free. We do it for you and explain the result.

I have paid the debt, so why am I still listed?

You should be removed when you pay, but sometimes the creditor does not report it. In that case we request erasure with the proof of payment.

Can I be listed for a debt I am disputing?

If you disputed it beforehand through administrative or court proceedings, or a binding dispute resolution procedure, the law says you should not be. If you are listed anyway, you can complain.

Can I claim compensation?

In some cases, yes, when the listing is unlawful and has caused you harm. We assess it with a law firm we work with before recommending that you go to court.

What does the law require to list me on a debtor register?

Article 20 of the Spanish Data Protection Act (LOPDGDD) requires, among other things, that the debt be certain, due and payable, that you were asked for payment beforehand and warned that you could be listed, and that no more than five years have passed since the debt fell due. If any of these requirements is missing, the listing can be challenged.

How do I get off ASNEF, step by step?

First, the right of access is exercised to find out which debt is listed, who reported it and since when. Then we check whether the legal requirements were met and request erasure or correction from the register and the creditor. If they do not reply in time or refuse without good reason, a complaint is filed with the AEPD.

How long does it take for an entry on a debtor register to be erased?

If the debt is paid or the listing is clearly unlawful, it can be resolved in a few weeks. The register has one month to respond to your request, which can be extended by two more months. If a complaint to the AEPD is needed, the process can take several months.

Can I get off a debtor register without paying the debt?

If the debt is real and was listed in compliance with all the requirements, no. But if there was no prior request for payment, the debt is not certain, it is disputed or more than five years have passed, you can request erasure even without paying. We review your case first and tell you whether it has prospects.

How much does it cost to get off a debtor register?

The right of access and the complaint to the AEPD are free. If you want us to handle it, the analysis is free and we send you a fixed quote in writing after the free analysis, before we start. If we see that the listing is correct, we tell you and do not take on the case.

What documents do I need to make a claim?

Your identity document, the register's reply to your access request and any document related to the debt: contracts, invoices, proof of payment, earlier complaints or emails with the creditor. The more complete it is, the stronger the claim.

Should I be warned before being listed on a debtor register?

You should. The law requires the creditor to ask you for payment and inform you that you may be listed, and the register must notify you of the listing. If you received none of these communications, it is a good argument for asking to be removed.

Can I get off Badexcom and other registers at the same time?

Yes. Each register is independent, so the rights have to be exercised with each one. It is common for the same debt to appear on several, and we review them all at once.

Take back control of what people see about you

Tell us what is worrying you. We analyse your case for free and tell you honestly what can be achieved.

Free analysis within 24 hours

We tell you honestly what real options it has

A fixed quote in writing

Court-appointed IT forensic expert and complete confidentiality