Getting off ASNEF, Experian and the CIRBE after your debts are discharged

Getting off ASNEF, Experian and the CIRBE after your debts are discharged is filed with Entidades acreedoras afectadas y sistemas de información crediticia (ASNEF, de Equifax; Badexcug, de Experian), Central de Información de Riesgos del Banco de España y, si no corrigen el dato, la Agencia Española de Protección de Datos. With Managora you do it 100% online: you answer a few questions, sign a digital mandato (power of representation) and we draft, sign and file your application for you. What we charge you: from €199. Official tasa (government fee): No tasa (official fee). The requests to the creditors and the credit files, the right of access, the CIRBE report, the complaint to the Banco de España with the FDU-030 form and the complaint to the AEPD are all free. The letters we send, with proof of the date of receipt, are included in the price. The only thing you may pay is the postage if you post the FDU-030 (or the FDU-031 to request your CIRBE report) to the Banco de España; handing it in in person costs nothing.

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With your auto de exoneración (court order granting the discharge of unpaid debts), we write formally to each creditor that registered you, requiring it to notify the discharge to the credit files it reported to and to correct the CIRBE, and to ASNEF (run by Equifax), Badexcug (run by Experian) and any other system, requiring them to update or erase the entry for the discharged debt; if you do not know what appears, we first request access to your data. For the CIRBE we leave the Banco de España FDU-030 form ready for you, which you sign by hand and send. If within a month any of them fails to reply or refuses, we file the complaint with the AEPD, included in the price.

What we charge you: from €199
Managora's fee: €199.00 (21% VAT incl.)
Tasa (official government fee): No tasa (official fee). The requests to the creditors and the credit files, the right of access, the CIRBE report, the complaint to the Banco de España with the FDU-030 form and the complaint to the AEPD are all free. The letters we send, with proof of the date of receipt, are included in the price. The only thing you may pay is the postage if you post the FDU-030 (or the FDU-031 to request your CIRBE report) to the Banco de España; handing it in in person costs nothing.
Processing time: We send the requests to the creditors and the credit files within the 2 working days following your signature of the mandate; if access has to be requested to find out what appears, that letter goes out within the same period. Each recipient has one month from receipt to reply, extendable by two further months if they tell you so within the first. For the CIRBE, through the Banco de España route, the institution replies within 15 working days. If, once the deadline has passed, any of them fails to reply or refuses, we file the complaint with the AEPD, which has up to 3 months to admit it and up to 6 months from admission to decide.
Where it is filed: Entidades acreedoras afectadas y sistemas de información crediticia (ASNEF, de Equifax; Badexcug, de Experian), Central de Información de Riesgos del Banco de España y, si no corrigen el dato, la Agencia Española de Protección de Datos ↗
What you receive: Application

Cost breakdown: Up to 3 creditors 199,00 €; 4 to 10 creditors 299,00 €; More than 10 creditors 399,00 € (VAT included in all three). The level depends on the number of creditors that registered you in any credit file, counting each institution only once. It includes the requests to creditors and credit files, the FDU-030 form prepared for the CIRBE and the complaint to the AEPD if needed. No official fees: none of this has an official cost..

Getting off ASNEF, Experian and the CIRBE after your debts are discharged: how is it filed?

1Answer the questions (around 5 minutes) and upload the auto de exoneración and, if you have them, your CIRBE report and the letters from the credit files.
2If your court order does not yet allow the entry to be erased (for example, because it is a provisional discharge), we tell you before you pay.
3Payment: 199,00 € up to 3 creditors, 299,00 € from 4 to 10 and 399,00 € for more than 10 (VAT included). No official fees.
4Signature of the mandate from your mobile.
5Within the following 2 working days we write formally to each creditor, requiring it to notify the discharge to the credit files it reported to and to correct the CIRBE, and to each credit file, requiring it to update or erase the entry for the discharged debt. If you do not know what appears, within the same period we request access to your data.
6If you appear in the CIRBE, we leave the FDU-030 form ready for you (and, if you do not have your report, the FDU-031 to request it free of charge): you sign it by hand and post it to the Banco de España, C/ Alcalá 48, 28014 Madrid, or hand it in in person. You do not need a digital certificate or Cl@ve.
7We tell you about every reply. If, once the deadline has passed, any of them fails to reply or refuses, we file the complaint with the AEPD, included in the price, and follow it until it is decided. If the AEPD requires your signature, we prepare it for you to sign by hand, without a digital certificate or Cl@ve.

Which documents do you need?

•The auto de exoneración (court order granting the discharge: with liquidation of the estate, after a concurso sin masa (insolvency proceedings with no assets), or final discharge with a payment plan), in full and with the part that identifies the discharged debts; if you have the testimonio (certified copy) or the diligencia de firmeza (certificate that the order is final), those too.
•Your CIRBE risk report, if you appear in the CIRBE and already have it.
•The letter, email or screen from ASNEF, Badexcug or another credit file showing the entry, if you still have it.

Legal basis and things to bear in mind

The auto de exoneración with liquidation of the estate, or the order granting final discharge with a payment plan, includes a mandamiento (court instruction) to the affected creditors to notify the discharge to the credit information systems they reported the default to, and the debtor may obtain a testimonio (certified copy) of the order and require those systems directly to update their records (art. 492 ter of the texto refundido de la Ley Concursal, the consolidated Insolvency Act). The law sets no deadline; whoever receives the request has one month to reply, extendable by two further months with notice within the first (art. 12.3 of Regulation (EU) 2016/679). With the provisional discharge under a payment plan there is no mandamiento: it comes with the final discharge.
We write to the creditor and the credit file at the same time. The creditor is answerable for the debt it registered existing and being accurate (art. 20.2 of Ley Orgánica 3/2018), and the Agencia Española de Protección de Datos (AEPD, the Spanish data protection authority) has in the past found a credit file diligent for refusing removal because it was for the institution that made the entry to request it. Default data may only be kept while the default persists (art. 20.1.d), and a discharged debt can no longer be claimed (art. 490 of the texto refundido).
What the discharge does not cover may remain registered: non-dischargeable debts (maintenance, civil liability arising from a criminal offence, criminal fines and very serious administrative penalties, the part of public-sector debt above the dischargeable limit or the debt secured on an asset up to the value of the security, among others); debts that were not in the list of creditors in the insolvency proceedings, because only the debts listed and identified in the order are discharged (Tribunal Supremo, judgments 254/2026 and 260/2026, of 18 February); entries in the name of those who guaranteed your debt or signed it with you (guarantors, sureties and joint and several co-debtors), because the discharge does not reach them (art. 492.1); and, under the community property regime (gananciales), those of your spouse until they obtain the discharge themselves (art. 491).
The CIRBE is not a credit blacklist but the register of the risks that institutions report to the Banco de España, which cannot change that data. Correction is requested from the institution and, if it does not correct it, through the Banco de España with the FDU-030 form: the institution replies within 15 working days and, in the meantime, disclosure of that data to third parties is suspended (arts. 65 and 66 of Ley 44/2002). That route is only available for the transactions the report identifies with their code, those of institutions with which you have more than 1.000 euros of accumulated risk. A discharged debt must disappear from the CIRBE, not remain as extinguished.
The Banco de España only accepts someone else signing the FDU-030 or requesting your CIRBE report on your behalf with a power of attorney in a public document for that purpose. That is why we prepare it for you and you sign it by hand. The CIRBE report is free and can be requested without a digital certificate or Cl@ve, in person with an appointment or by post to C/ Alcalá 48, 28014 Madrid, with the signed FDU-031 form and a copy of your DNI or NIE.
A complaint to the AEPD (art. 77 of Regulation (EU) 2016/679) over a right that was not respected is only admitted if that right was first exercised before the controller and it did not reply in time or replied unsatisfactorily; that is why it comes last, with copies of our letters. The AEPD has up to 3 months to admit it and up to 6 months from admission to decide. The Court of Justice of the European Union (cases C-26/22 and C-64/22, of 7-12-2023) has held that a private credit information agency may not keep data on a discharge for longer than the public register.

Getting off ASNEF, Experian and the CIRBE after your debts are discharged: frequently asked questions

Getting off ASNEF, Experian and the CIRBE after your debts are discharged: how much does it cost?

We charge you from €199: our fee plus, where applicable, the fixed official tasa we advance. Up to 3 creditors 199,00 €; 4 to 10 creditors 299,00 €; More than 10 creditors 399,00 € (VAT included in all three). The level depends on the number of creditors that registered you in any credit file, counting each institution only once. It includes the requests to creditors and credit files, the FDU-030 form prepared for the CIRBE and the complaint to the AEPD if needed. No official fees: none of this has an official cost.. Managora's fee is €199.00, 21% VAT included (€164.46 net + €34.54 VAT). The official tasa charged by the authority (a suplido paid on your behalf, no VAT) is: No tasa (official fee). The requests to the creditors and the credit files, the right of access, the CIRBE report, the complaint to the Banco de España with the FDU-030 form and the complaint to the AEPD are all free. The letters we send, with proof of the date of receipt, are included in the price. The only thing you may pay is the postage if you post the FDU-030 (or the FDU-031 to request your CIRBE report) to the Banco de España; handing it in in person costs nothing..

Getting off ASNEF, Experian and the CIRBE after your debts are discharged: how long does it take?

We send the requests to the creditors and the credit files within the 2 working days following your signature of the mandate; if access has to be requested to find out what appears, that letter goes out within the same period. Each recipient has one month from receipt to reply, extendable by two further months if they tell you so within the first. For the CIRBE, through the Banco de España route, the institution replies within 15 working days. If, once the deadline has passed, any of them fails to reply or refuses, we file the complaint with the AEPD, which has up to 3 months to admit it and up to 6 months from admission to decide.

Getting off ASNEF, Experian and the CIRBE after your debts are discharged: which documents do I need?

You need to have to hand: The auto de exoneración (court order granting the discharge: with liquidation of the estate, after a concurso sin masa (insolvency proceedings with no assets), or final discharge with a payment plan), in full and with the part that identifies the discharged debts; if you have the testimonio (certified copy) or the diligencia de firmeza (certificate that the order is final), those too., Your CIRBE risk report, if you appear in the CIRBE and already have it., The letter, email or screen from ASNEF, Badexcug or another credit file showing the entry, if you still have it.. You do not upload them here: we collect the details through the guided chat.

Who files the procedure?

Managora files it in your name with Entidades acreedoras afectadas y sistemas de información crediticia (ASNEF, de Equifax; Badexcug, de Experian), Central de Información de Riesgos del Banco de España y, si no corrigen el dato, la Agencia Española de Protección de Datos. You only provide the details through the chat and sign a mandato (power of representation); we prepare, sign and register it.

Can it be done online?

Yes. The whole process is online: you answer a few questions in the guided chat, sign a simple mandato on screen and receive the receipt and the official documents by email, with full legal validity.

Related procedures

Based on the legislation in force and on the official site of the competent authority: Entidades acreedoras afectadas y sistemas de información crediticia (ASNEF, de Equifax; Badexcug, de Experian), Central de Información de Riesgos del Banco de España y, si no corrigen el dato, la Agencia Española de Protección de Datos ↗.

Managora Gestion SL (company number B88823893) is a private company. We are not Entidades acreedoras afectadas y sistemas de información crediticia (ASNEF, de Equifax; Badexcug, de Experian), Central de Información de Riesgos del Banco de España y, si no corrigen el dato, la Agencia Española de Protección de Datos, we are not affiliated with, authorised or endorsed by any public authority, and this website is not an official government portal. What you pay on this page is our fee for preparing, signing and filing the procedure on your behalf: it is separate from the official tasa, which where applicable belongs to the authority and is shown to you separately. You can carry out this procedure yourself, directly with Entidades acreedoras afectadas y sistemas de información crediticia (ASNEF, de Equifax; Badexcug, de Experian), Central de Información de Riesgos del Banco de España y, si no corrigen el dato, la Agencia Española de Protección de Datos.

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