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Do you know how to clear your name from Serasa?
At this delicate time, we need to protect ourselves against fraud and default. The easiest way is through SERASA Limpa Nome. In fact, it is possible to find out your CNPJ and CPF.
You can get up to 98% discount, depending on the debt. Several companies are in this endeavor: Recovery, Santander, Ativos SA, Cred System, BMG, Nextel and many others.
What are the ways to clear your name from Serasa?
In Brazil, more than 60 million Brazilians are in default.
So, if you are part of this team, you need to pay your debt or negotiate it. After paying the debt or the first installment, your name will be removed from SERASA within 5 days.
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To do this, you need to negotiate your debt with the creditor, and if you do not pay the proposal within 10 days, your CPF will remain on the negative list. Therefore, there was no shortage of notices about your outstanding debts and how to pay them off.
In addition to being able to pay directly at the store, bank or service provider, you can access the Serasa website.
Organize everything very well and save to have money left over each month.
Through the Serasa Limpa Nome website, you have access to all information about negative credit ratings and institutions, as well as special discounts to pay off your debts.
Renegotiation
If you can pay everything in cash, renegotiate your debt with the company.
If it has been a long time, the bank or institution may have outsourced your debt. However, they will pass on the information so that you can contact the appropriate person.
So, after organizing your budget, you can pay off the debt in installments and as soon as you make the first payment, you will be free from SERASA.
But for now, you shouldn't indulge in any more shopping until your finances are in order.
When you contact the company that has the debt, choose the one that best fits your budget and do not accept absurd proposals.
That is, it is up to you to make a brief assessment of what you can be responsible for on a monthly basis.
In fact, some institutions offer to clear your name, that is, they collect your debt and you make the payment directly to the company, no longer to the creditor.
Be careful with this, as you could fall into a trap.
If you are charged absurdly or inappropriately, you can contact Procon and the Public Defender's Office to cover the costs. Also be careful with interest and CET to avoid getting ripped off.
Try to speak directly to the creditor.
As a last resort, choose to take out a loan, the cheapest ones available on the market being personal and payroll loans.
But be aware that you are exchanging one problem for another, even if it is more advantageous. Avoid options with high interest rates or overdrafts.
The name on Serasa
Just one day of delay is enough for the company to blacklist you, regardless of the amount.
This usually happens after about 30 to 45 days, after the first day of delay. Each company carries out its collections in a different way.
If you receive the letter, you have up to 10 days to resolve the incident.
If you do not pay off your debt, your name will be blacklisted. That is, you may be unable to obtain new financing for 5 years.
However, after this period, you can request new credit on the market, remembering that interest will continue to be charged.
How to quickly check the name
To make your free consultation, Boa Vista SCPC allows you to consult your bad credit rating online.
Simply access the Consumidor Positivo website. You can even go to the service centers in person.
Serasa also offers the option of in-person CPF consultation at the company's branches.
But if you want to view from the comfort of your home, the consultation is also free online, through Clean Name Online.
Know your debts to clear your name from Serasa
After the consultation, if you have carried out the consultation and it is not listed, they must already be expired. If it is after 5 years, you should go directly to the institutions and creditors, via the internet, telephone or in person.
If it is included, you will already have an idea of what it is. In fact, the values and names of institutions may change.
If it's been a long time, many companies outsource these debts, so you may not recognize some charges.
So what should you do?
Make a spreadsheet with all the amounts, bills and payments. Enter the ones you have already negotiated or still need to negotiate.
Attach all the information such as interest and amounts, then start paying off the amounts with high interest.
You can access a complete consultation of your CPF or CNPJ through the platform. Through the complete consultation, you can view overdue debts, protests, Pefin, and financing, checks and score.
This way, you can check and make the best decision for your financial health. After the assessment, you will know what you can take on with greater peace of mind.
According to your commitment
Take the opportunity to stay up to date with your responsibilities and fulfill what was agreed upon. Don't delay and stick to your schedule. After all, you want to clear your name from SERASA.
In fact, take the opportunity to reduce your costs and try to increase your monthly income.
If you do not choose to clear your name from Serasa, you will be unable to obtain lines of credit, purchase a vehicle or buy a property.
Any savings at this time are welcome. Try to change water and electricity habits, nonsense or things you don't need right now.
Avoid expensive restaurants, trips and outings.
And if you are a company, do the same. Avoid overtime, liquidate inventory, avoid printing and paperwork, and keep your account in just one or two banks.
Clear your name from Serasa
When you pay off your debt through the fair offers, pay in cash and you can even compete for prizes. You can negotiate through the APP and take advantage of the offers on your cell phone.
Through the website, you can access the offers directly from your computer. And if you prefer to go in person, you can go to the in-person service.
There is even an official WhatsApp number for you to ask questions and receive your offers (11) 988707025.
