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Exiting the defaulter registry is possible. Getting credit again, too.

If Asnef, Equifax, Experian, RAI or the Bank of Spain's CIRBE has listed you for a non-existent, time-barred, already-paid or disputed debt, that listing is unlawful. We get you out of the registry and clean up your financial history.

How we do it

Four steps to exit the registry.

01.
Diagnosis of your listing. We check which registry you are on (Asnef, Experian, Equifax, RAI or CIRBE), for what amount and since when. We identify whether the listing meets the legal requirements or whether it is improper and should be removed.
02.
Solicitamos el certificado de inclusión. We require the registry's controller to formally document your listing: creditor, date and amount. This is the documentary basis that allows us to handle the claim with all guarantees.
03.
Reclamamos la cancelación. We send a legal demand to the creditor and the registry's controller requiring immediate removal of your data. The law obliges them to resolve in 10 days. In most well-founded cases, the listing is removed without going to court.
04.
Verificamos la limpieza completa.We confirm that your name has been removed from all registries — including CIRBE where applicable — and we provide certificates showing that your financial history is clean. From there, you regain access to credit and normal financial products.
Free case review

Tell us your case. We review it for free.

Leave us your details and a lawyer from the firm will personally review your situation. In less than 24 hours you will receive a report with the viability of removal, the estimated compensation and next steps.

  • Review at no cost and no obligation
  • Confidencialidad absoluta · la entidad no se entera
  • Response in under 24 business hours
Jurisprudencia y derecho aplicable

The legal grounds that back your exit from the registry.

The law and Supreme Court doctrine clearly define when a listing is unlawful and must be removed. These are the three most common grounds to get you out of the registry.

STS 13/2018 · 16 enero 2018

Disputed or non-demanded debt

The Supreme Court holds that the registry cannot be used as a pressure mechanism to force payment. If the debt is being disputed by the debtor or the creditor has not made a formal prior payment demand, the listing is unlawful.

Art. 1964 CC · Prescripción quinquenal

Time-barred debt

Personal debts are time-barred 5 years after the last valid act of reclamation. Once time-barred, the debt is legally extinguished and keeping it in a defaulter registry is unlawful. Removal applies even if the creditor keeps calling.

RGPD Art. 5.1 · LOPDGDD Art. 4

Non-existent or already-paid debt

The data-quality principle requires all listed information to be accurate, up to date and proportionate. A non-existent debt, an already-settled debt, an incorrectly-quantified debt or one without documentary basis breaches this principle. The Spanish Data Protection Authority (AEPD) orders cancellation.

Frequently asked questions

What we get asked the most.

How do I know which registry I am on?
You have the right to request it for free from each registry. Asnef and Experian allow online queries; Equifax and RAI by post. For CIRBE, the query is made to the Bank of Spain (online or in person). If you do not know which you are on, we request it for you — at no cost.
What if what appears is in CIRBE? Is it the same as being in Asnef?
Not exactly. CIRBE (the Bank of Spain Risk Information Central) is a public registry recording all your credit exposures — live loans, mortgages, credit lines, guarantees — even if you are up to date. Asnef is a private registry that only appears if you have unpaid debts. CIRBE is not a "defaulter registry" but it affects your ability to obtain credit; we review it as part of the case.
What if the debt is real but small, or I am disputing it?
The Supreme Court has been clear: the registry cannot be used as a pressure mechanism to collect. If the debt is disputed, if the amount is disproportionately small compared to the harm the listing causes, or if no formal prior payment demand was made, the listing is unlawful and must be removed.
How long does it take to remove my listing?
The registry's controller has 10 days from receiving the documented demand. If the listing is clearly improper (paid, time-barred or erroneous debt), removal happens without court. If the creditor resists, we sue — and in a final ruling removal is practically automatic, with added moral damages compensation in many cases.
Could I receive compensation in my case?
Yes, in many cases. Where the listing is improper (time-barred, non-existent, already-paid or disputed debt), in addition to removal, there is a right to claim compensation for moral damages. Consolidated case law of the Supreme Court and the Provincial Courts recognises compensation ranging from a few hundred to several thousand euros depending on the duration of the listing, the damage proved and other factors. We analyse this in the free initial review.
Do I need to pay the debt first to be able to claim?
No. If the debt is improper (time-barred, already paid, erroneous, disputed) you have the right to request removal without paying anything. Paying a non-existent debt to "get out of the registry" would mean acknowledging it — exactly what the law allows you to avoid.
What if a vulture fund listed me for an old debt?
One of the most common scenarios. Vulture funds buy debt portfolios and list them in defaulter registries as a pressure mechanism. If the debt is time-barred (5 years from the last act), if you were never formally demanded payment, or if the original debt was usurious or had abusive clauses, the listing is unlawful. We get you out of the registry and, in many cases, secure additional compensation.
How long does the whole procedure take?
Removal from the registry: between 10 days and 2 months. Court claim for moral damages: 8-14 months until a final ruling. Enforcement and collection usually take a further 1-2 months.
How much does the claim cost?
The initial case review and registry certificate requests are completely free and no commitment. Fees for removal are agreed with you beforehand — reasonable and proportionate to the case. If we also claim moral-damages compensation, we work on a contingency basis (15-25%) on what is recovered — no win, no fee.
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