ASNEF is the National Association of Financial Entities. The association was created in 1957 and its function is to manage a database that collects the defaults in which both a natural person and a legal person may have incurred.
Having an annotation or debt in the list of defaulters of ASNEF supposes enormous problems when requesting financing. Most entities deny loans to clients that appear on these delinquent lists. If a client appears in ASNEF or Equifax, they face big problems when requesting any type of financing. Only companies that work with micro credit s with less advantageous conditions for clients accept these users.
Loans for people who are in ASNEF are usually accompanied by very high interest rates, so that sometimes requesting money can become a problem. It is more interesting that the client manages to pay off his debt and then request the financing he needs.
Despite the fact that financing being in a delinquent file may be more expensive for the client, on the internet you can find several companies that offer financing despite being within the delinquent file . Going to these companies can become a short-term solution, but in the long run it can be a great economic problem for the citizen since facing the interests is not easy.
If you want to know if you are within any of these lists, you can make the query in writing to the file itself in writing. You can also get in touch with specialized consultancies such as TeichForum where they manage the entire process, from contacting the file to the necessary procedures to get out of it.
It is very important not to contact the 807 lines since they do not have the information on these files and charge a very high cost for the call to the user. The only way to obtain the information is in writing, the file does not communicate personal data by telephone or by any other means.
The ASNEF report is very complete. The user can find all the annotations related to the debt that he may have with both public and private organizations. You can also check the dates on which it was included in the file and the amount owed to the company that put you in this file.