FIJ Judicial Incidents File. We help you manage FIJ for your company!

Private debts, acquired with a financial or credit entity, are not published in official gazettes and therefore do not appear in the FIJ.
FIJ - Fichero Incidencias Judiciales Empresas

FIJ Companies

These acronyms refer to the File of Judicial Incidents. The FIJ is not a delinquency file as such, although it works in a similar way. Obtains information from Official State Gazettes such as BOE, BORME, Provincial Official Gazettes, Social Security Headquarters, etc.

What is FIJ companies?

The initials FIJ correspond to the File of Judicial Incidents, also known as the File of Judicial Incidents and Claims of Public Organizations. It is a delinquency file of the Informa D & B company and managed by Experian Badexcug that collects all the annotations published in any public medium, BOE, Provincial Official Gazettes, Social Security electronic headquarters, etc; whether they are lawsuits for non-payment, such as amount claims for non-payment of taxes, tributes
or monetary obligations of citizens with the State.

Companies and self-employed workers that often fail to comply with their obligations to the State or public bodies, not with intention but lost in a sea of ​​bureaucracy, are often registered without this file without being aware. Having published it in a public medium, worth the redundancy, the affected person must be informed that their data has been published in the File of Judicial Incidents. No one, except a professional in the field, reads the official publication media every morning, so the affected person usually finds out when the request for financing is denied.

Another peculiarity of this delinquency file is that, in these official publication media, notifications are usually published, but not paid. In this way, the file never learns that the debt has been paid and the annotations pass 5 years, the legal term, damaging the affected company or self-employed.

For this type of problem and if you do not want to wait 5 years to be able to access financing or simply not be marked as delinquent while being registered in a delinquency file, you must always carry out the deletion exercise.

Who can check my data or those of my company in the FIJ?

The data registered in this list of defaulters, FIJ companies, can be consulted by any entity that needs it. Normally these lists of defaulters are used by entities to assess the risk involved in granting, for example, a loan to a self-employed person or company that requests it. If a company or self-employed person is listed in the FIJ, it is likely that they will have difficulties at the moment of facing the fees that a loan would entail.
The entities that usually consult this delinquency file are usually banks, financial entities, insurance companies, supply companies, telephone companies, in short, any company with which a commitment to a periodic payment is going to be acquired.

How long can my data or my company's data be in the FIJ?

The Law is very strict with regard to this matter and dictates that the data may remain in the delinquency file for a maximum of 5 years from the day after the payment should have been made. Although this does not usually happen, according to another delinquency file very
known ASNEF Equifax, the limitation period of these debts is 6 years from its publication. As you can see, the interpretation of this law by this file is somewhat ambiguous. That is why it is very common for debts to be registered in the FIJ 6 years from their publication when they should not.

How to get out of FIJ companies?

Although we have explained that not even the companies themselves agree on the interpretation of the Law. For a company that tries to eliminate its data from the File of Judicial Incidents without good legal advice it is little more than impossible.

Having the support of professionals specialized in this matter and with experience in the bureaucracy that this type of management entails, is essential.

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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Debts registered in the FIJ can remain on this list of delinquencies for up to 6 years if the right of cancellation is not exercised, since they are fed by public means of publication where incidents are notified but not payments.

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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]