The multinational, a leader in its sector, will exclusively exploit the data on defaults between individuals included in the first online solvency file

Madrid, September 21, 2020.- Experian, a leading technology company in information and analysis on solvency of natural and legal persons in Spain, will exclusively exploit the data of Icired Impagados, the first and only online file of debt between individuals, with the objective of making it accessible to freelancers, companies and financial institutions.

The agreement was signed today by the CEO and President of Experian for Spain and Portugal, Rita Estévez, the president of Icired Impagados, Luis Bourgon, and the CEO and ideologist of this online file, the lawyer Enrique Rodríguez Zarza.

Thanks to the agreement reached with the Granada company Icired Impagados, which continues its unstoppable growth, Experian reinforces its leadership position in data and advanced analytics. Both companies will work together to help their clients combat payment defaults, thus initiating the digitization process in the fight against delinquency between natural persons in Spain.

An effective tool in the fight against bad debts

The agreement takes on special importance in the current period of economic difficulties caused by COVID-19, and therefore in this context a new way is opened to combat this situation.

The Icired Impagados file is based on the collaborative economy, which allows, even individuals, to report a default and access information on arrears, always based on the principle of legitimate interest. It is the first file of defaults accessible to individuals, freelancers, SMEs and companies.

According to the CEO and President of Experian for Spain and Portugal, Rita Estévez, “with this distribution agreement, our country is at the forefront of digitization in the fight against delinquencies, taking advantage of the great opportunities offered by the use of of Big Data and Artificial Intelligence, for the analysis of the behavior of non-payment in Spain «

For his part, the president of Icired Impagados, Luis Bourgon, thanked Experian for the trust placed in the consolidation of the project and assured that “this agreement will allow Icired to consolidate the distribution of its information with Experian and Informa, which will represent a very important advance for Icired at this time, where the management of unpaid debts using new technologies and solutions can mean a great competitive advantage ”.

Finally, the CEO of Icired Impagados and promoter of the file, has also thanked «the commitment made by Experian and its collaboration for the success of a tool that allows, in a hyper-connected world, that information on defaults reaches the whole world, in record time and with the maximum legal guarantees, to be able to collect the debts, putting the money in circulation, and preventing them from being repeated, improving the companies’ income statement ”.


For more information:

Experian Press Office

Phone: 670 59 79 65. Andrea García


ICIRED Press Office

Roxana Sáez

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.


INVERSIONES COLECTIVAS EN RED S.L. It was created in 2013 by the Granada lawyer José Enrique Rodríguez Zarza. Later, the Japanese multinational NTT Data joined the project through its subsidiary in Spain Everis. In May 2019, the Andalusian startup consolidated its innovative business model, based on the collaborative economy and the use of Big Data, after sealing a strategic alliance with the state-owned company Informa D&B (a subsidiary of Grupo CESCE), leader in Spain on the Supply of Commercial and Financial Information.

Both partners ratified their entry into the share capital of Icired, contributing 2.4 million euros between the two to each acquire 30% of the company dedicated to claiming unpaid online.

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