RAI

We help you get out of any delinquency file. We help your company get out of RAI!

The term of permanence of the RAI delinquent file is 30 months, 2.5 years, compared to 6 years for delinquent files such as Experian Badexcug or ASNEF Equifax.
RAI Empresas

RAI Companies

They are the abbreviations of Registry of Unpaid Acceptances. It collects information related to defaults of more than € 300.51 by legal persons, that is, companies. Currently, the RAI delinquent file is managed by the Experian Credit Bureau.

What is the RAI?

The RAI (Registry of Unpaid Acceptances) is a file of defaulters that reflects the breach of promissory note obligations, thus storing defaults only of legal persons, in order to optimize financial management. The minimum amount is € 300, with the presence of the document in which the debtor is responsible for paying the debt, and of a massive nature in the banking system. Checks, Drafts and Promissory Notes.

If you are currently in the RAI and want to know everything about this file of defaulters , TeichForum puts everything at your disposal, do not waste any more time and contact us.

Who can check my data in the RAI?

The entities that are part of the Interbank Cooperation Center can consult the delinquency file as long as they provide the data of the unpaid. Companies that provide solvency reports, as well as all those that can accredit, can access this information. For this reason it is very important that companies take preventive measures, as this would cause serious financing problems, as well as with their usual suppliers.

What if I am in the RAI?

One of the main measures taken by creditors and suppliers is the consultation of the RAI , in this way they can carry out the study of credit risks, or when requesting a mortgage or commercial operation. Therefore, if you are currently in the RAI , you may have serious financing problems, as well as when establishing business relationships.

Imagine that you made a purchase, the most important thing about RAI is that it allows your supplier the possibility of studying your commercial responsibility. For example, if you have a large debt, they will not want to accept you as a customer. The easiest way for suppliers to do this is through commercial reports, which provide information about companies registered in the RAI .

I'm in the RAI but I don't know why

The main people in charge of making the list of delinquencies known to the RAI are the deposit institutions (credit). As soon as they receive any payment document authorized by the debtor, that is, with the signature that authorizes being committed to the payment, and this is denied, it will be communicated to the RAI and therefore will be registered in the delinquent file. That is, if you are in the RAI , it is most likely that you have defaulted on a previous payment.

If you still do not know the reason why you are included in the delinquency list, you can request the information, and access your data to know everything about who has signed you, which company has requested inclusion, the non-payment for which They are claiming you, and all the information regarding you and your business management, about your debts and defaults.

How long is my data in the RAI?

If you are included in the RAI, you are in a serious predicament, the time your data remains on the RAI defaulter list is currently 30 months. This means that suppliers, and natural or legal persons that have the possibility of accrediting, as well as companies specialized in making commercial reports, will be able to access your data and create a bad reputation for you.

When is my data deleted from the RAI?

Once the debt is paid, when you contact the company responsible for your inclusion in the file, it could eliminate you completely, the most common thing is that you must show proof that the debt has been paid. However, the actual time of permanence of your data in the RAI , although it is not always put into practice, is a period of 30 months.

In the same way, you can request a cancellation of your data in this delinquent file if; The debt has been settled and you are still in the file, if you have included a period greater than the established 30 months, if you have not been informed through a letter of your inclusion in the list, if you find yourself in disagreement with the debt or the debt is simply not real or cannot be proven through the required documentation.

What is the maximum time my data is in the RAI?

Despite all the complications that being registered in the RAI list of defaulters can bring, the maximum time that your data can remain in the system is a total period of 30 months. After this, if you have paid off your debt, you can request the cancellation of your data in the delinquent file, in this way, it will be as if you had never been in it, and you can continue your business life normally, and the development of your company.

If you are currently registered in the Registry of Unpaid Acceptances, do not despair! TeichForum is the solution for your problems.

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Until 2005, the RAI also registered debts of natural persons. Today, it no longer does so after a Court ruled that it did not meet one of the four requirements to do so.

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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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