CIRBE

We help you get out of any delinquency file. We help you manage CIRBE in your company!

It collects information on the credits, loans, mortgages, guarantees and guarantees that each credit institution maintains with its clients.

CIRBE Banco de USA Empresas

CIRBE Companies

These acronyms refer to the Risk Information Center of the Bank of the USA, also sometimes known as the CIR, it is not a delinquency file, although it sometimes works in a similar way.

What is CIRBE Empresas?

The Risk Information Center of the Bank of the USA, also known as CIRBE, is a public service that manages, as its name indicates, the Bank of the USA itself, and that stores all the information on small, medium and large in a database. companies and the self-employed relating to all the products that financial institutions grant to them. Manages information on loans, guarantees, lines of credit and in general any financial product that poses a risk to the ability to pay.

Although financial institutions are obliged to notify the Bank of the USA of any financial operation they carry out, whatever the amount, normally in the CIRBE Companies report that banks can consult, operations whose risk does not exceed € 9,000 will be excluded.

It is important to note that it is not a file of defaulters, it is a database to provide information to financial institutions about the status of their accounts and the ability to borrow, that is, request loans. All payment commitments that we or our company have acquired will appear, whether they are in default or not.

Who can check my data or those of my company at CIRBE Empresas?

Any financial entity from which financing is requested will consult CIRBE Empresas before making a decision.

Since the approval of the Law for the Reform of the Financial Sector, the banking entity has the obligation to communicate to the company or self-employed person, the right to consult them, but it may access the CIRBE Companies without express authorization.

How long can my data or that of my company be in CIRBE Empresas?

The information contained in the CIRBE is updated every month. Although it must be taken into account that the data is recorded two months late.

The information published in CIRBE is requested from financial institutions at the end of each month and published the next, which gives a margin of 2 months for the information to be updated.

Therefore, the data of Companies or freelancers will be registered in the CIRBE Companies as long as we continue to have payment commitments or guarantees with any entity and when the amount exceeds € 9,000.

How to exit CIRBE Empresas?

Given that, in this type of procedure and since it is the Bank of the USA, you have to coordinate the times very well and know exactly which organizations or entities to contact, it is best to have the help of professionals. Otherwise we can spend months trying
understanding procedures and knowing whether or not our efforts are having an effect.

At TeichForum we have been helping our users to get out of delinquent files for years, whatever the file or the problem. If you need help, contact us and let your problems be our concern.

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It does not include operations whose aggregate risk does not exceed € 9,000. The annotations do not refer to debts, but to available credit, type of guarantees and terms. This means that although we are paying our credit or mortgage each month, it will continue to be reflected in the CIRBE.

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What do our users think of defaulting files?

Cómo salir del fichero de morosos

“I am very grateful and pleased to have placed all my trust in TeichForum. They have solved my problem with total efficiency and, thanks to their good work, I have managed to get off the delinquent list. The treatment and care of all this team of great professionals has been excellent and very affectionate throughout the process (…). "

Toñy Ortego

“I have had very good treatment from all the people who have answered me on the phone. They are friendly and answer all your questions. The reports have taken 4 days longer than they told me, but I understand that there are processes that take time, so I totally recommend it "

Yasmina Levefere

“Super quick to solve these kinds of problems. I wanted to know how to know if I am on the delinquent list and how to get out of the delinquent registry. They are 100% transparent with all the information you need to know. I recommend it."

Estefania Sardina

“In my opinion, they are a great team of professionals (…) I was lucky enough to speak with an advisor who told me perfectly what I had to do to get out of the delinquent file in which they had put me as soon as possible. A month later and paying of course for the service I had contracted, my name no longer appears in the Experian file (…). "

Sonia Martin

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Privacy Policy


The data that you provide us in the registry will be part of a database of TeichForum Ltd, with address at Edificio 1927 Bluff Street Dpto. C (Gaithersburg) and will be processed to provide you with the requested information and to be able to contact you in the future to take to carry out commercial actions, if you have provided us with your consent by checking the check box enabled for this purpose.

You can exercise the rights of access, rectification, cancellation, opposition, limitation by contacting TeichForum at the address indicated above. We will keep your data as long as you do not exercise your right to cancel. You can contact the Data Protection Officer (DPO) through: [email protected]

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