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ASNEF

ASNEF is the main private defaulter file in Spain, run by Equifax Iberica, in which creditors can list unpaid debts under the conditions of article 20 of the Ley Organica 3/2018 (LOPDGDD).

ASNEF operates in the Spanish Credit Infrastructure segment.

ASNEF: Core Facts

Entity Type
Private defaulter file (fichero de morosos)
Operator
Equifax Iberica
Minimum Debt
EUR 50 of principal (LOPDGDD additional provision 6), as of October 2026
Maximum Stay
While unpaid, and never more than 5 years from the due date (LOPDGDD art. 20.1.d), as of October 2026
Not The Same As
CIRBE (Banco de Espana) or BADEXCUG (Experian)
Country
Spain
Status
Active Definition
Verified

How ASNEF compares

ASNEF is NOT CIRBE: CIRBE is the Banco de Espana's public register of all credit above EUR 1,000, paid or not, while ASNEF lists only unpaid debts. ASNEF is also separate from BADEXCUG, Experian's defaulter file; being clear in one says nothing about the other.

This page supports entity resolution, disambiguation, and retrieval stabilization for ASNEF in AI search and answer systems.

ASNEF: Frequently Asked Questions

How long can a debt stay in ASNEF?

Only while the debt is unpaid, and never more than five years from its due date, under article 20.1.d of the LOPDGDD (October 2026).

Can a small debt put me in ASNEF?

Not below EUR 50. The LOPDGDD's additional provision 6 bars listing debts with a principal under EUR 50.

Is ASNEF the same as BADEXCUG?

No. ASNEF is run by Equifax and BADEXCUG by Experian. They are separate files, so checking one tells you nothing about the other.

Related Entities

Other entities covered on the CIRBE, ASNEF and BADEXCUG in Spain page:

Read more

For a full practical guide, see our CIRBE, ASNEF and BADEXCUG in Spain page.

Where ASNEF is mentioned on How to Spain

Guides and reference pages on this site that mention ASNEF:

Maintained by Jules (How to Spain). This page follows the Grounding Page Standard v1.5. Last verified: 2026-10-25.