Positive Registration: everything you wanted to know!

Some people still have doubts about the Positive Registration: what it is; how to do it; what is its relationship with the credit score, etc.

There are answers to all your questions about the world of credit. And you can find them right here.

So in today's article, we are going to answer the most common questions related to Positive Registration. Keep reading and find out!

What is Positive Registration?

It's a kind of personal financial database. 

In it, the companies from which you request a service have access to your profile as a consumer.

In other words, your spending and payment history; the way you behave and interact in this environment becomes visible to them after a consultation.

The situation of your Positive Registration is what will help the credit institution to make the right and safest decision for both parties.

For example, the information contained in Mrs. So-and-So's registration indicates a series of late paid bills.

The company may take this fact into consideration and wonder whether it is possible for it to pay off its debt on time, and deny the request for this same reason.

Node Positive Registration All accounts registered under your CPF are visible to these companies.

Therefore, they know the amounts of bills, installments, dates and whether or not they have been paid.

And not just information about current debts, but also about past accounts.

How to register

THE Positive Registration It's like a financial resume, everything beneficial that it contains will help you accumulate positive points.

And then comes the relationship with the credit score.

To keep your positive registration always up to date with your finances, first, you need to create one.

In this sense, it is worth mentioning that having an account on the Serasa website does not mean that you have created your registration.

After you access the website and create a login and password, look for the option “Serasa Cadastro Positivo” and click on “register”.

You will then receive all the necessary instructions to register.

Have an identification document on hand, as you will need to carry out electronic authentication online via selfie.

On this same website, you can check the status of your financial resume and your credit score, in addition to clarifying other doubts.

After the opening of the register, please wait up to seven days for your information to appear for consultation. 

This data is updated weekly.

Can I cancel?

Yes. However, it is not recommended.

THE Positive Registration gives you an opportunity to present yourself well in the credit market.

This can bring you many benefits and make things easier when applying:

• Loan;
• credit card;
• Current account;
• Financing.

Furthermore, with a good payment history it is possible to obtain even better proposals, with lower interest rates and more time to pay.

Therefore, it is clear that canceling your positive registration is not a good option.

If you still choose to cancel, you can make the request through any of Serasa Experian's customer service channels.

They are the telephone, website and a Serasa agency. Otherwise, pay your bills on time and keep your Positive Registration always active and updated.