This agreement will allow financial entities to access information on judicial defaults and make more robust and therefore safer credit decisions.

Experian will be the only company that will manage the data on debts of natural persons and self-employed persons that, with a final judicial resolution, are included in the Registry of Judicial Debtors (RIJ)

The president of the CGAE, Victoria Ortega, and the president of Experian for Spain and Portugal, Rita Estévez, highlight the importance of keeping the record of judgments on defaults to the financial sector as a whole

08/10 / 2020.- The Spanish Lawyers and the multinational company Experian have presented this morning a collaboration agreement to help reduce delinquencies between freelancers and individuals. As a result of the agreement, Experian, the largest leading technology company in information and analysis on solvency of natural and legal persons in Spain, will manage the data on defaults of natural and self-employed persons, included in the Registry of Judicial Debtors (RIJ), the first and the only file in Spain based on final court decisions.

The agreement was presented today by the president of the General Council of Spanish Lawyers (CGAE), Victoria Ortega, the CEO and president of Experian for Spain and Portugal, Rita Estévez, the CEO of Informa D&B, Juan Mª Sainz, and the partner founder and CEO of the RIJ platform, José Enrique Rodríguez Zarza.

This agreement represents a great advance in Spain to provide the financial system and other economic operators with greater transparency regarding the information on delinquency between individuals and the self-employed, which will allow credit and contractual decisions to be made in a more robust and secure way with the guarantee provided by the support of the judicial decisions.

The data in the market showed that before the pandemic 1 in 3 self-employed suffered defaults. Covid-19 has only made the situation tougher.

This agreement will also allow a more effective claim for enforceable debts through a firm judicial resolution, provided by lawyers and with the prior authorization of their clients, in defense of their collection rights, improving compliance with sentences and protected by the right to effective judicial protection.

All of this in compliance with the General Data Protection Law, the Law for the Protection of the Right to Honor and the Code of Ethics for the Legal Profession, guaranteeing legal security.

The agreement between the General Council of Spanish Lawyers and Experian represents an innovation in the fight against delinquencies and information management in Spain.

For its part, Experian, reinforces its leadership position in terms of data and advanced analytics, working hand in hand with the Spanish Lawyers to place Spain at the forefront of digitalization in the fight against non-compliance with judicial defaults .

Spain, at the forefront in the fight against judicial delinquency

The president of the Spanish Lawyers, Victoria Ortega, explained that the involvement of the Lawyers in the fight against defaults represents a double guarantee for society: on the one hand, because it will serve to force the payment of debts among bad faith defaulters , and on the other hand, because the intervention of lawyers guarantees transparency and legal security in the process of judicial recognition of the debt.

For her part, the CEO and president of Experian for Spain and Portugal, Rita Estévez, highlighted the importance of this agreement, «which will have a positive impact on society by promoting a mechanism to enrich information on delinquency between individuals, self-employed and other agents, which currently exist in the economic and financial system. It also allows providing greater security around the fulfillment of payment obligations related to these groups. «

Estévez added that “this collaboration with ICIRED and with the General Council of Spanish Lawyers is an opportunity to continue advancing in providing innovative solutions that facilitate safe decision-making for the financial sector, companies in other sectors and individuals. It will allow us to complement the existing information on payment defaults in Spain and defend the right to collection when there is a certain, past due and enforceable debt.

Next, Juan Mª Sainz Muñoz, CEO of Informa D&B, a Cesce subsidiary company, indicated that: “Informa entered the capital of Icired more than a year ago as well as in the DAJ company with the General Council of the Lawyers and sells the company data from both files. The agreement with Experian closes the circle by distributing the data on natural persons ”.

Finally, the founding partner and CEO of the RIJ platform, José Enrique Rodríguez Zarza, has emphasized the importance of the agreement reached that will allow the financial system to access information on judicial defaults and that will place our country as one of the more innovative and guarantors in the fight against bad debts.

About Experian

Experian is the world’s leading global information services company. It is a technology company specialized in credit services, advanced analytics and data. For more than 20 years it has been a leader in services and solutions for credit risk management, fraud prevention, development of collection strategies, knowledge of the client and segmentation.

In life’s great moments, from buying a home or car, sending a child to college, to growing a business by connecting with new clients, we empower our clients to manage their data with confidence. We help businesses make smarter decisions and prosper, lenders lend more responsibly, and organizations prevent identity fraud and crime.

We are 17,200 people operating in 44 countries and every day we are investing in new technologies, talented people and innovation to help all of our clients maximize every opportunity. We are listed on the London Stock Exchange (EXPN) and are part of the FTSE 100 Index. You can get more information at or read our news for Group views.

About the RIJ:

The Registry of Judicial Debtors (RIJ) is the first and only negative solvency online file, based on final judicial decisions, created by the General Council of Spanish Lawyers, in collaboration with the state-owned company Informa D&B (a subsidiary company of Grupo CESCE), a leader in Spain in the supply of Commercial and Financial Information, and the Japanese multinational NTT Data through its subsidiary in Spain Everis.

The RIJ allows you to claim and consult liquid, overdue, enforceable and recognized debts by means of a firm judicial resolution, provided by lawyers, with prior authorization from their clients and in defense of their collection rights. Its innovative business model, based on the collaborative economy, and the use of BIG DATA, represents a technological revolution in the fight against judicial delinquency in Spain.

The company in charge of managing the registry is Desarrollo de Aplicaciones Jurídicas SL (DAJ), constituted by the company Infraestructura Tecnológica de la Abogacía Española Red Abogacía and the mercantile Inversiones Colectivas en Red, SL (ICIRED), with Informa D&B and everis as partners of this project.

For more information:

Communication Department of the General Council of Spanish Lawyers

Paseo de Recoletos nº 7-9, Madrid

Phone 91 532 17 69

General Council of Spanish Lawyers

Phone: 91 523 25 93; Fax: 91 532 64 38;

Pº de Recoletos, 13; 28004-MADRID