There are many reasons that could have made you part of the dreaded Credit Checker list. But your concern is not how you entered the delinquency files , but how to exit Credit Checker ?
We inform you that, if it is possible to leave the list of debtors . For this you just have to follow the options that we put below. What are you waiting for? Keep reading and know the 3 ways that will help you achieve it.
Am I registered with Credit Checker?
In the United States, a mechanism is used to verify people's financial status. This is done through databases that register those who have debts. One of the most famous is Credit Checker, where more than 1000 affiliated companies enroll those who have debts with them.
For this reason, it is possible that you are registered in Credit Checker , because you were late in the payment of a loan. Or for not paying a bill for phone, electric or gas service. To make sure you can check here how to know if you are in a delinquent file.
Ways to exit Credit Checker
Get out of Credit Checker fast paying your debt
Without the intention of delving into the reason why you have been included in this file; If you want to know how to get out of Credit Checker fast, it is best to pay your debt. To do this, follow the next steps:
- Make your payment: Find a way to manage the payment as quickly as possible. You can also reunify the debts in one to pay less interest.
- Inform the entity: Once the debt is paid, notify the company with which you have the debt, so that they can contact Credit Checker and remove your name from this database.
Remember that Royal Decree 1720/2007 in its article 41.1 establishes that if you comply with the payment of a debt, any information related to it is immediately canceled.
Therefore, it is your right to promptly manage your removal from the Credit Checker list, after having settled your commitment. However, it doesn't always happen this way, as it can take a long time.
How to exit Credit Checker if I got there by mistake?
Believe it or not, it is possible that by mistake you are included in the Credit Checker list, which would considerably damage your credit history . If you were taken by surprise to receive the registered letter that says you entered the delinquent file and you do not remember having defaulted on any payment, it may be due to one of the following situations:
- You canceled your debt but it is still listed as unpaid.
- You were mistakenly assigned a debt that does not belong to you.
- You had a disagreement about the amount of the bill with a utility company (telephone, gas, electricity). If you don't pay the receipt, they will still include you in Credit Checker.
- Being the subject of your identity theft.
Although it is assumed that before being enrolled in Credit Checker you must receive a notification , so that you pay off your debt, and if in three months you do not make the pending payment, your name will be incorporated into the database; this is not always the case . In many cases these communications do not arrive, because perhaps your address is not updated.
Therefore, you can rely on what is established by organic law 15/1999 on the protection of personal data. In which your rights of access, rectification, cancellation and opposition are recognized.
Letter to exit the file
One of the ways to exit Credit Checker is that you only have to download the cancellation form from the website of the Spanish Data Protection Agency . Similarly, you can fill out the form using your PIN code. In these forms you must argue the reason why you want to exercise your right and explain with evidence why the debt you have registered does not belong to you.
Exit Credit Checker at age 6
Another way to get out of Credit Checker without paying your debt is to let a 6-year period of time pass. According to the law, Credit Checker must remove your name from the database after that time has elapsed.
This does not mean that you got rid of the debt, because you are still delinquent with your creditor, who can hire a collection agency to pay them the debt . So, you will not be registered in Credit Checker, but you still have a pending payment commitment.
Hire a specialist
Also, it is recommended if you are enrolled in Credit Checker for administrative errors that you seek the advice of a specialist company. These organizations have legal experts who can offer you support on how to get out of Credit Checker.
Unquestionably, it is best to avoid being registered with Credit Checker at all costs , as this would affect your credit history. To achieve this, it is recommended that you learn to control your expenses in order to meet all your payment commitments.
However, if it is too late and you are enrolled, it is Credit Checker; We hope these ways help you get out of debts , as soon as possible. And if for any reason, you need a loan urgently, you can check where to request a loan with Credit Checker, even to pay in 12 months .