5 Tips to Increase Your Credit Score on Serasa

In October, the number of people in debt in the country broke a new record: 12.2 million people are in default, reaching 74.6% of households. The data was collected by National Trade in Goods, Services and Tourism (CNC). For those in need of loans and financing, not being short on this statistic is the first step.

Another important factor in obtaining credit is maintaining a good Serasa score. This indicator is the “rating” given to a person according to the history of his motivation. For this assessment, several variables are considered that will analyze the probability of bills being paid on time in the 12 months of the year to begin. From there, a score from 0 to 1000 is generated for CPF. This is the credit score.

Businesses, stores, and financial institutions use grading query systems to assess whether loans can be granted to a customer. Thus, it is important to maintain a high sirasa score. To check your score, simply access the Serasa Score website. If the points are less than the recommended (from 700 to 900), there are ways to increase this number. Here are 5 tips to increase volume calendar Serasa Credit Card:

1. Negotiate your debts

2. delete your name

3. Do good financial planning

4. Pay your bills on time

5. Check your CPF number regularly and keep your record up to date

Negotiate your debts

The first step for those with a low score due to debt accumulation is to seek negotiations with their creditors. Thus, it will be possible to repay what is owed and restore the financial reputation in order to raise the result that will determine whether it is possible to obtain a loan or not.

delete your name

After negotiating the debt and being able to pay it off, the next step is to wait for the name liquidation, which must necessarily happen within 5 business days. However, it takes patience. It is not possible to increase the result immediately after scanning the name. You need to keep paying your bills on time in the coming months to raise your score.

Read on

Do good financial planning

Financial planning is an essential part of not accumulating debt, maintaining a high score and thus obtaining financing and credit from banks and financial institutions in general. With structured finance, it is possible to control all expenses and thus avoid unnecessary expenses.

Consult trade fairs

Calculations paid without delay is definitely a variable that is analyzed and taken into account to raise the score. Also, it is important to have bills in your name, such as an electric bill. This will display the financial transactions and payment on time. So, remember: Late billet is synonymous with low grade. Feirão Serasa Limpa Nome, for example, is an event that allows indebted consumers in a country to pay off and renegotiate their debts. It is estimated that 62 million defaulters are taking advantage of the available opportunities.

Check your CPF number regularly and keep your record up to date

Finally, it is important to update your registry on Serasa and check the status of your CPF regularly. The personnel record is always associated with all purchases i.e. whenever a loan is requested the company consults the degree of CPF score. Therefore, it is important to refer to it as often as possible to ensure that everything is in order and that there are no transactions that could generate undue rejection.