• How to determine a budget

• It plans the future
• It calculates his budget

• Card election and use

• Election of cards
• Card use

• How to administer the credit

• What is the credit?
• How to secure credit
• Sensible use of the credit
• The test of the credit

• Glossary of Financial Terms

• How to obtain financial aid

How to secure credit

Its file of credit

Its file of credit intends to help the financial organizations to find out if they must or not to grant credit to him and how much you can amortize without problems.

Generally, it contains information like:

• A relation of all credits
• The total amount that you must
• How many credit cards have and the amount of its limits of credit that continues having without using
• If it has amortized his credits with speed in the past
• If it badly confronts or or the rest of the great invoices, like the electricity or the gas
• Its banking file and if it has saving accounts
• Also it can reflect other information as if it owns his own house or it has other assets like action or values.

Offices of credit

The credit offices are credited organizations that successfully obtain financial information on people and companies. One is neutral central depots and very regulated that reunites pertinent the financial information they distribute and it between the registered financial organizations that wish to evaluate the suitability of a client to obtain a loan. All the countries have still not restored the credit offices. In that they have created yes them, all of them must have the same information exactly you exceed you.

Verification of its file of credit

It turns out useful to review his file of credit periodically and to correct the errors that could contain. In Europe a legislation has been approved communitarian that it confers the right to him to inspect his own file, previous payment of a small quota, although not yet it has been developed in all the countries. The credit offices must correct the errors free, although you must demonstrate that the data are erroneous.

If he wants to find out what is its credit file in Spain, it can contact with:

ASNEF - (National Association of Organizations of Financing)
Asnef-Equifax Information services of Solution and Credit, LIMITED LIABILITY COMPANY.
C/ Cardinal Marcelo Espínola, 6. 28016 Madrid
or
Post-office box of post office nº 10546 - 28080 Madrid
Internet: www.asnef.com

Experian Bureau de Crédito S.A.
Experian Bureau de Crédito has a department exclusively dedicated to take care of the claims and requests of the consumers, and in particular, to make cash the rights that the law recognizes the holders of personal data.

Of rectificacióndel straight historial of credit
In order to exercise the mentioned rights, a request will be able to go in writing to the following directions:

File BADEX
Post office box 1187. Alcobendas (Madrid) - 28108

File BADEXCUG
Post office box 1188. Alcobendas (Madrid) - 28108.
Tlf.: (+34) 913 729 011

If you want information on your credit file in other European countries you do click here