What is a defaults of payment file and how can you consult it?

Defaults of payment files store data about the outstanding debt of both companies and individuals.

At INFORMA, you will be able to consult all the information on non-payments available on the market and check if a company has unpaid debts before you start doing business with them.

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What is a Defaults of Payment File

A defaults of payment file stores data about monetary, credit or financial debt of both individuals and legal entities.

Default of payment files are an essential tool for assessing your customers’ non-payment risk.

How to access a defaults of payment file?

At INFORMA, we have all the defaults of payment files in our business reports that you can consult before taking any credit decision on behalf of your company.

You will only have to:

Go to INFORMA’s customer area. Register here
Search and check if the company you want is listed in any of the defaults of payment files.
Consult the business report. All the information on defaults of payment files will appear on the Business Risk section.

Which are the defaults of payment files?

In Spain, there are different defaults of payment files where the unpaid debts of individuals or legal persons are included.

At INFORMA, you can check if a company is listed in any of the defaults of payment files.

RAI:

The RAI, or Disputed Bills Register, is one of the main businesses’ defaults of payment consultation files in Spain. It contains non-payment information on legal persons, for an amount equal to or superior to 300 euros, in documents that are used in the banking system.

Further information about RAI

ASNEF Empresas:

The EQUIFAX ASNEF Empresas Business and Financial Defaults of payment file contains information on companies' non-compliances with monetary obligations provided by the creditors.

Further Information on ASNEF Empresas

EBE:

The EBE file (Experian Bureau Empresarial, bank and multi-sectoral defaults of payment File) contains information on unpaid credit operations provided by the insurance, banking, and telecommunications sectors.

Further information about EBE

ICIRED:

Credit Information System that processes data on legal entities and sole proprietorships’ payment incidences (0-90 days old based on reciprocity) and their evolution (> 90 days open), provided by ICIRED's clients.

Further information about ICIRED

RIJ:

This is a negative solvency file where lawyers, legal representatives and labour advisers can include and consult debts that are in court or in the pre-judicial phase and that have been claimed on their own behalf or on behalf of their clients.

Further information about RIJ

Which are the defaults of payment files?

When can you be listed on a defaults of payment file?

You will be included in a defaults of payment file if:

There is a pre-existing true, expired, and enforceable debt. No legal, administrative, or arbitral actions should have taken place.
The debtor has carried out a debt payment requirement prior to the communication of the data to the debtor’s file.
The person concerned is notified of the inclusion in the defaults of payment file.
No more than 5 years have elapsed since the non-payment.
If there are data with presumptive evidence that go against any requirements previously mentioned, they cannot be included.

When can you be listed on a defaults of payment file?

Payment Files

INFORMA manages a real payment experiences service exclusive for its customers:

Payment Analysis: This unique and exclusive INFORMA's service provides you with information on the payment behaviour of your debtors. It is based on the exchange of payment behaviour information of customers of the participating companies. We do have more than 8 million positive and negative payment experiences on Spanish Companies
D&B Global Trade Program®: unique and exclusive service based on the exchange of positive and negative payment behaviour information of customers of the worldwide participating companies.