Experian Badexcug is a file with information on defaulters, specifically, it contains information on bank and multisectoral delinquencies . Experian is an international company from which several parent companies arise that operate in different countries such as Experian UK, Experian Spain or Experian Badexcug . The function of all these companies is the same, to save the data of the natural and legal persons included in the lists of defaulters.
If a citizen wants to know if it is in the Experian delinquent file, they should contact the company. It is best to do it through an email or by post since there are currently different fraudulent telephone numbers that redirect calls to 807 lines.
Following the latest regulations of the data protection law, these companies cannot give any information on this subject over the telephone, so the written medium is the only way to obtain information on these lists of defaulters.
In order to get out of this file, the client must notify his situation in writing to the Badexcug file in writing with the corresponding documents so that the Experian file verifies with the creditor company that the debt has been paid and that the annotation in the Experian file Badexcug is incorrect, therefore requesting the rectification of the annotation written in the file Experian, Experian Spain or for example Experian UK.
In other words, the only way to get out of the Experian file is to pay the debt recorded in the Experian file. Demonstrate with documents provided by the creditor company that the debt recorded in the Experian file does not exist.
Another way to get out of the delinquent file is that the maximum legal period of permanence in the Experian file has expired. The maximum term is 6 years, but we must remember that if this debt has been sold to another company, the term begins again because the Experian file would change the name of the creditor company to, so it is a mistake to think that at 6 years prescribes the debt. What it actually prescribes is the right to claim it, which is very different.
Currently the Experian file probably collects more than 65,000 million euros in debtor entries, not only from individuals, but also from companies.
The Experian file is the most consulted file in Spain with more than 180 million consultations per year. Its access and consultation is complex for users so it is advisable to go to experts.