How do I know if I am included in Credit Checker?

Requesting a loan and having it rejected at the last minute, or having problems finding financing, are some of the situations that those who have their name included in a list of defaulters go through and had no record of it.

And it is that many people believe that their name cannot appear in any list of defaulters, because when they have left an unpaid invoice, or returned a receipt , it has been for an amount of little value. This is a very common mistake since there is no minimum amount to be included in Credit Checker .

Although it is usual for the company that wants to include our name in Credit Checker, notifying us 30 days in advance, it is usual that we never receive any notification in this regard . Which means that we could be in Credit Checker, and not have any confirmation.

If you think you can be in Credit Checker but you do not know for sure, then we explain the steps to follow to know if you are included in Credit Checker or not, so that you can solve your doubts.

How do I know if I am on Credit Checker for free?

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To know if you are in Credit Checker without paying anything for the information there are several options:

  • Request a report from FICO, the management company of the data contained in Credit Checker, to know the amount of debt for which we have been included, the date of the same, which companies requested our inclusion in Credit Checker and a phone number contact.
  • We can also go directly to our usual bank office and ask if our name appears on any list of defaulters.

Although banks have access to these files and can make the query almost immediately, we must be aware that they are not obliged to provide information of this type. That means they have every right to refuse if they see fit.

Other options to know if we are in Credit Checker

Another means is to hire the services of a company specialized in carrying out this type of procedure and let a professional take charge of taking all the necessary steps. In this way, we will not only know if our name appears in Credit Checker , but also this company will take the necessary measures to eliminate our data , in the event that the circumstances provided by law for this purpose arise.

At iMorosity they manage your Credit Checker withdrawal in just 48 hours. Click here for more information about this service.

By any of the aforementioned ways we can have proof of whether we appear in said files and in the event that you are registered in Credit Checker you can consult our guide on how to exit Credit Checker .

Credit Checker application form

reports

The most common method to find out if you are included in Credit Checker is by sending an application form to the same entity. Those affected by their inclusion in these lists have the right of access, which allows them to consult their personal information contained in said files.

To do this, simply fill in a letter in which the following information must appear:

  • Name and surname or company name,
  • DNI / NIF / CIF,
  • Address to which the response can be sent,
  • Date of shipment and our signature.

For people who have a certificate of citizen of the union, they will also have to accompany said letter with a photocopy of their passport, or identity document from their country of origin.

The request can be sent to the Customer Service Department by email at sac@fico.com, or to P.O. Box 10.546, Ohio 28080. Direct contact with Credit Checker can also be done by phone through its service of customer service at the following number: 917 814 400.

However, this option will never allow us to have personal information, since, required by data protection law, Credit Checker cannot give this type of information over the phone as it is confidential content.

If we have received the notification that a company wants to include our name in Credit Checker and we want to consult this data, we can do so immediately through its website. Simply by entering our ID number and the code included in the letter, we can access our file without any problem.

The official confirmation takes around seven - ten days after having sent our request, and it will always arrive through the same channel that we have used to communicate. If our name does appear in your files, the data that we will receive will include the amount of the debt, the date of origin of the debt and the creditor entity. Apart from this, there are also other ways to know if we are included in Credit Checker or in any other file of defaulters.

How does being on a delinquent list affect me?

It has an impact on the risk that banks can assume for us, being in some cases 0% if our debt is precisely with a bank. There are entities that, in addition to not offering us loans, will not even allow us to open an account at their offices .

Although the correct thing would be that when registered, a certified letter was sent that specifies the amount, origin of the debt and code of the file opened due to non-payment, the truth is that in practice most of them are in Credit Checker not are duly informed .

That is why most people are aware that they have been included in a file of defaulters when they request financing and it is rejected for this reason.If you are looking for financing and you find yourself in this situation you can consult our list of loans with Credit Checker .

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