Below we have compiled the best websites With which you will be able to know if you are on a list of defaulters in order to take the appropriate measures to resolve this situation as soon as possible and improve your health and financial image in the eyes of the main entities in the country.
ASNEF 
Undoubtedly, the first website you should go to in Spain if you want to know if you are on a list of defaulters is the ASNEF website. The National Association of Credit Financial Establishments (ASNEF) collects and shares data on all those debtors who have defaulted on their payment obligations.
At the top of this page you will find a heading called “ASNEF file”. By accessing this space you can check if you are on the ASNEF’s list of defaulters. Another alternative is to send an email to [email protected] with your query. To perform this procedure you must include your ID and fill out the application What will you find on this webpage. It is also possible to consult this data by requesting it by ordinary mail to Apartado de Correos 10.546, 28080 Madrid. The file can be accessed by insurers, banks, telephone companies, utilities and even public services. If you want to get out of the ASNEF file, you will have to update yourself with your debts and request ASNEF to delete your data.
RAI
On the other hand, the RAI or Registry of Unpaid Acceptances is another file that gathers files of unpaid or corporate debts. In this case, we are talking about debts that come from companies. This record, therefore, includes debts that are well documented and that have the signature of the debtor, of more than 300 euros.
Registration is carried out automatically when the debt of a legal entity exceeds 300 euros and is documented, expired and has enforceable force. If we want to know if we are on this list, we must register and notify our CIF. In addition, this query, as in this case we are talking about legal persons, it is not free, but we must pay the costs of the service in addition to registering.
The prices from March 1, 2023 to be able to access the consultation are the following:
Price of incorporation to the service in consultation by information frames: €7,901.80 € Price for consultation to users who use the access by information frames: €2.96803 Price of incorporation to the service in access by web page: 789. €83 Price per consultation for users who use web page access: 3.82624
CIRBE
CIRBE, the Risk Information Center of the Bank of Spain, is a registry that compiles information in Spain on the credit exposures of individuals and companies. Its main objective is to provide financial institutions with an overview of the risks associated with loans and other credit commitments.
It includes information on loans, guarantees, credits, lines of credit and other types of financing that the people or companies have with financial institutions. It not only includes data on the outstanding balance, but also information on credit limits, associated collateral, and payment defaults.
To consult our personal data in this file, it is necessary to do so through financial institutions or through direct access to the CIRBE information service offered by the Bank of Spain in your virtual office among other procedures.
ICIRED
Finally, we found another much more recent file. ICIRED is a delinquency file accessible to all individuals and companies. The main novelty of this file is that the creditors that can include debts in this list are companies, individuals and entities.
We can consult this file in a simple way from here, being an interesting alternative for individuals, freelancers and SMEs. However, it is not free and in order to access the data we will have to register and pay for the service, starting at 3.60 euros.
