Defaults of payment files

At INFORMA we do have 4 defaults of payments files that you can consult before taking any credit decision on behalf of your company:

RAI:

The Disputed bills register (RAI) is one of the main late payments consultation files of businesses in Spain. It contains non-payments information on legal persons, for a n amount equal to or superior to 300 euros, in documents that are used in the banking system.

Further information about RAI

ASNEF Empresas:

The EQUIFAX ASNEF Empresas Business and Financial Defaults of payment is a file containing companies' non-compliances with monetary obligations with information provided by the creditors.

Further Information on ASNEF Empresas

EBE:

The EBE file (Experian bureau empresarial, bank and multi - sectorial defaults of payment File) is a file containing information on unpaid credit operations provided by the insurance, banking and telecommunications sectors.

Further information about EBE

ICIRED: 

Is a Credit Information System that processes data on payment incidences (0-90 days old based on reciprocity) and their evolution (> 90 days open) of legal entities and sole proprietorships provided by ICIRED's clients.

Further information about ICIRED

RIJ:

 This is a negative solvency file where lawyers, legal representatives and labour advisers can include and consult debts that are in court or in the pre-judicial phase and that have been claimed on their own behalf or on behalf of their clients.

Further information about RIJ