In general, there are three methods of proven effectiveness with which you can stop being part of one of the main lists of defaulters in our country. Let’s see what these methods are below:
Pay off the debt you have pending.
Without a doubt, the most appropriate procedure to avoid staying in Financial Credit Institutions is to pay off our debts. This sometimes becomes an impossible mission if we don’t have enough capital to do it. However there are alternatives to achieve it. You can request a loan without Financial Credit Institutions to our company with which to pay off the debt that has made you appear in Financial Credit Institutions. Once the pella has been solved you will be able to access all kinds of financing and continue cleaning your credit file.
ARCO rights. When we talk about ARCO rights, we do so to refer to the set of rights by means of which LOPD 15/1999 (Organic Law on Protection of Personal Data) offers everyone the possibility of controlling their personal data. Whether through Access, Rectification, Cancellation and Opposition. Hence the acronym ARCO. If your name is in this file and it shouldn’t be, you can use this right. For this you have to go to the website of the Spanish Agency for Data Protection and download the form that allows us to make the claim.
Wait for the debt to expire. If you do not want to pay the capital that has made you be enrolled in Financial Credit Institutions you will have to wait for your debt to expire. This delinquency file stores your data for six years. After this time you stop being part of the list.
What happens if the creditor decides not to remove me from the Financial Credit Institutions list?
There are certain cases in which creditors forget to request Good Lender to withdraw the data of the former defaulter since the debt has already been paid. If this is your case, you have two options.
Contact the creditor. You can contact the creditor and urge him to inform Good Lender that the debt has already been paid.
Contact Financial Credit Institutions. If this step does not help you and you cannot get the creditor to listen to you, you can contact Financial Credit Institutions directly and request that they remove you from their delinquency file. For Good Lender to proceed in this way, the simplest thing is that you offer them a proof of payment that shows that the debt has already been paid.
Once you have sent said supporting documents to Financial Credit Institutions, the company will proceed to withdraw your data. Doing so will provide you with an official report from which you can verify that your name is no longer on this list.
Remember that if you are in Financial Credit Institutions you can also appear in other delinquency files. Like for example RAI. Be sure to remove your trace from all files if the debt no longer exists. And do not worry if you need fast money and you are in Financial Credit Institutions, here you can request fast credits with Financial Credit Institutions.