Find out if a company is listed in any of the defaults of payment files, improve the best credit decisions and the recovery of unpaid debts.
At INFORMA we do have 4 defaults of payments files that you can consult before taking any credit decision on behalf of your company:
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.
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
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 ICIRED
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.
INFORMA manages a real payment experiences service exclusive for its customers:
Do you want to know if your customers are included in any defaulters' file?
REQUEST ADDITIONAL INFORMATIONPara ser incluido en un fichero de morosidad se tiene que cumplir lo siguiente :
INFORMA gestiona un servicio sobre experiencias reales de pagos que son exclusivos para sus clientes:
Do you want the best decisions for your business? Do it with the best information.
Do you want additional information?