We help you get out of any delinquency file. We help you get out of EXPERIAN!

The delinquency file Experian has, in addition to Badexcug, another two delinquency files: INFODEUDA File and CIREX File.
Experian Particulares

EXPERIAN Individuals

The Experian Badexcug file, managed by the Experian Credit Bureau company, somewhat less known in our country than ASNEF, is the most well-known delinquent file worldwide, operates in 37 countries and more and more companies choose to use it in the USA. Registers debts of both individuals and Legal entities.


Experian is an entity in charge of managing files of delinquency or non-payment of payments by natural and legal persons.

All types of organizations have access to this file, from those of financial services, telecommunications, the media, public services, etc.

The fact of belonging to this list of defaulters is a negative aspect for people when requesting loans, mortgages, acquisition of goods and services (telephone, electricity, gas, insurance) etc. since it is most likely that they will be rejected by private entities as they do not have a positive credit line.

What are the Experian Credit Bureau files?

They are files where credit information is reflected regarding payments or defaults of natural and legal persons. Those people associated with the files of the Experian Credit Bureau are the ones who must have some type of non-payment or requirement from a private entity that claims the amount owed, which may be for 6 years before being eliminated.

The service we provide in TeichForum allows individuals (natural and legal) to know if their data is registered in the delinquent file as well as providing help to eliminate their data from the Experian file.

Why does my data appear in the Experian files?

The main reason why you can appear in the Experian files is due to a delay, or lack of payment of a financial commitment, having an overdue debt or an invoice that has not been paid in an estimated time by the company that claims it. and generally it is usually a period of non-payment of more than 90 days.

I'm on Experian and i don't know why

It is very common that you do not know why you are on Experian . The most common thing is that you have incurred a debt and despite having canceled it, the company that has included you has not eliminated you from the file and that is why you appear as a defaulter listed in the Experian file .

It is important to be well informed, and to know whether or not your data appears in Experian . That is why you can request our TeichForum report to find out to advise you on these and all the queries you need to clarify your doubts and help you eliminate your data from the file.

How long can my data be in the Experian archive?

Normally these can be a maximum of 6 years in the files provided they are from the same company.

What does this mean? That companies that include users in delinquency files, such as Experian, because they cannot keep this data for more than that period, sell your data in packages to another file together with the data of other users.

In this way, your data may be going from one list to another indefinitely and therefore having the problem of not being able to receive financing or being able to request a loan.

When is my data deleted from Experian?

After 6 years your data should be deleted from Experian . The problem as we have mentioned before, before that happens the file can sell your data in a package to another file, and have you eternally going from one to another until your despair.

As this is not convenient for anyone, much less waiting so long, there are several to request that your data be deleted from the files such as Experian. We can help you both to cancel the debt and to delete your data from Experian . To do this, you will need to meet some simple requirements that we will indicate to you over the phone.

What is the maximum time I can be in Experian?

As we have already mentioned, the maximum time that your data can be in Experian on the delinquent list is 6 years (by the same company).

Imagine being 6 years in a file that says that you are a defaulter and not being able to receive any type of credit for it, nothing good. Our highest recommendation for people is to check whether or not their data is in Experian through our company TeichForum .

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The majority of Spanish financial entities are associated with Experian Badexcug and ASNEF Equifax, therefore, before any request for financing that we make, they will consult these two files.

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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 in 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 carry out commercial actions, if you have provided us with your consent by checking the check box enabled for this purpose.

You can exercise your 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]