Want to increase your credit score and get the home financing you've always dreamed of? Check out these 6 tips that will make all the difference in your financial life!
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First of all, having access to credit lines is essential in our lives. In this sense, the score is a score that shows the consumer's profile as a payer.
At the same time, banks and companies always consult this data. This way, they have a basis for deciding whether to release credit or not. As well as defining the value of the limits.
Obviously, if you have a low score, your chances of getting approved for credit are lower. Therefore, read the following lines to find out what you need to do to reverse this situation in your favor.
1 – Clear your name to increase your credit score
First of all, search your CPF and check if you have any outstanding debts. Also, check if there are any restrictions in SPC and Serasa. After all, overdue debts significantly reduce your score.
Therefore, if you have outstanding debts, the first step is to clear your name. Take advantage of the Serasa and Grupo Santander name clearing fair. Renegotiations are usually quite advantageous.
2 – Make accounts in your name
Next, take out debts in your name. This is how your profile will be analyzed as a consumer. In this way, include bills such as water, electricity, telephone, internet, among others.
At this stage It is important to always make payments on time. In this way, you demonstrate to the credit market that you are a good payer. In fact, doors open as a result.
3 – Update your registration data
Update your registration details now, always keep them up to date and with truthful information. Therefore, register all your personal information with the credit bureaus.
In other words, data such as name, telephone number, email address, age, address and income should always be the most recent. This increases trust in the lending company and helps improve your credit score.
4 – Set up your bills on direct debit
Immediately after reading this content, set up all your bills on automatic debit. This is because the score is dynamic, meaning it can change from one day to the next.
Furthermore, variations depend on how you behave with the credit market. Therefore, setting up automatic debit for bills prevents you from forgetting.
5 – Be part of the Positive Registry to increase your credit score
Above all, it is of utmost importance to maintain the Positive Registration active to increase your credit score. After all, it works like a financial resume and payments are always recorded.
Simultaneously, the system analyzes the payment score. Mainly credit card installments, loans and financing found under your CPF.
6 – Do not commit more than 20% of your income to debt installments
First of all, as with the other tips mentioned, do not commit more than R$20% of your income to debt payments. That is, if your salary is R$2,000.00, your commitment cannot exceed R$200.00.
In short, you get less bureaucratic analyses and more advantageous payment conditions. Did you like these tips? Then follow Consulta Cred on Facebook and Instagram.
