If you recently failed to pay any invoice; It is possible that the question goes through your mind: How do I know if I am in Credit Checker? This is because Credit Checker is a file of defaulters where people who, due to forgetfulness or other reasons, have breached a payment commitment go to.
If this is your case, you should not worry. Later, we will teach you how to know if you are on the delinquent list. Keep reading!
By means of a letter
When for any reason you have been included in the Credit Checker or RAI file, the institution is obliged to notify you . This notification occurs by means of a registered letter within a period of no more than 30 days. This period of time corresponds to the provisions of Organic Law 5/1992.
Usually, in this document you will be informed that your data became part of the delinquent file. However, this notification does not always arrive on time.
For this reason, if you are thinking of applying for an immediate loan online , it is best to verify if you are in Credit Checker, before making your request.
How to check Credit Checker using a reference number
As soon as you have the certified document in your possession notifying you that you are in the Credit Checker file, you can see the reference number.
Although this letter confirms that you are indeed on the list of defaulters, it is possible that the document has surprised you, and you want to verify your status on the Credit Checker list . In this case, you can use the reference number to make the query. You just have to follow these simple steps:
- Visit the official FICO website.
- Enter the reference number.
- Enter your NIF or CIF in the case of appearing as a company.
Once you carry out these simple steps, you will be able to access the information on the list of defaulters. In this file will be your name and the reasons that prompted your income.
How to know if I am in Credit Checker without reference number
If you are in the group of people who are not sure to appear on the Credit Checker list, but want to verify the information, before applying for a loan online, you should follow these simple steps.
- Contact the FICO company by email or postal mail: The first step you must follow is to contact the FICO offices by means of the following mail or postal address: [email protected] , PO box 10.546, Madrid 28080.
- Write a status request letter: In order to know if you are in Credit Checker, you will need to write a formal letter to the FICO company . In this writing you must inform the reasons for your request, detailing the following: Reason for the request, exact date, signature of the applicant, email, ID / NIF.
- Include a copy of your identity document: The letter must be accompanied by a copy of your current identity document.
How do I know if I am delinquent?
If you are doubting whether or not you are in the delinquent file, visiting the FICO website can help you. FICO is the company to which the Credit Checker list belongs. Through it you will be able to know whether or not you are in the Credit Checker list and the reasons for your inclusion.
Furthermore, this platform not only allows you to know if you are in the Credit Checker file; It also lets you know if you are on RAI , another of the most popular lists of debtors in United States.
Once you enter the institution's website, you will only have to enter the reference number, your NIF or CIF, and you will immediately have access to the information you are looking for.
Consult the file of defaulters online for free
Consulting the delinquent file is completely free. This means that you do not need to make any type of payment to know if you are in Credit Checker or RAI. Remember that this process is very easy and you can do it through the official website of the FICO company.
You do not need to look for a manager, or hire the services of the web platforms that offer you access to the list. For this, it is enough to visit the official website and enter the necessary data. In a short time you will be able to know if you are in Credit Checker.
If you have already checked your status and are effectively part of the file, the next step is to try to exit Credit Checker , paying your debts and requesting the entity in which you were delinquent, to inform Credit Checker or RAI that the debt was paid.
However, this can take time. For this reason, it is best to learn to manage your debts and avoid mistakes that could make you fall into this dreaded list of debtors.
And if you have found yourself in a situation in which you need an urgent loan and you are still included in the delinquent file, check the lenders that grant loans even if you are in Credit Checker .