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Have a clean name and low score It is something very common, this happens because not being in default is not enough.
Certainly, not having your name on the SPC and Serasa is an obligation for every citizen, this shows that you pay your debts.
But, for those who want to have a good score to apply for credit, it is necessary to do a little more.
In today's article we will show you what to do if your name is clear, but the low score.
What are the consequences of having a low credit score?
Have a low score It is not good, as it indicates that you are not a good payer, or that you do not have good interaction in the financial market.
Of course, this can have some consequences for you, such as:
- Credit analysis denied;
- Obtain financial services, but with high interest rates and poor payment terms.
Therefore, it is important to keep a score so that when the time comes you don't have a headache.
Don't fall for scams!
First of all, we would like to give you some very important information:
Don't pay to increase the low score. It's a scam!
That's right! The increase in your credit score occurs automatically according to the data that is sent to the system.
Therefore, there is no manual control over it. You are not going to pay R$ 100.00 to someone and the next day you will see your score increase like magic.
Of course, this is impossible and avoid these types of solutions or proposals, as you will certainly be throwing your hard-earned money away.
But don’t worry, we’ll give you tips on what to do to increase your score.
Therefore, it is completely free, just keep reading this text!
How to increase your score
First of all, we will recommend you to enter the Serasa website and check if your Positive Registration is active.
Also, understand whether the personal information contained in them is correct, such as: address, telephone number and current employment.
So, once that’s done, you can follow our second tip.
Put water, electricity, telephone, internet, gas bills in your name and always pay on time.
This will greatly help increase your score.
Another valuable step to increase the low score It's always buying on credit or bank slip and paying correctly, you know?
If you don't have a credit card, don't be discouraged, open a digital account and request a prepaid card.
In this option, you will use the credit function, but you must have money in the account.
In addition to increasing your score, you will also not get into debt unnecessarily.
There are many digital bank options that offer prepaid cards to their customers, see the names of some below!
- Superdigital;
- Next;
- Bread;
- Inter;
- Iti;
- Bits;
- Pic Pay;
- Mercado Pago;
- Neon;
- Between others.
Finally, always pay your bills on time.
It is certainly clear that it is not enough to just have a clean record, you also need to be seen as a good payer; you need to build your financial resume in the financial world.
Of course, the only way to do this is by purchasing services, but consciously, without compromising your budget and planning, and fulfilling your obligations.
Put these tips into practice in your daily life and you will see your low score increase little by little.
But remember that having a high score is not the only decisive factor and it greatly influences when it comes to receiving credit.
Also check out the Serasa Name Cleanup Fair.
Read more: Credit Card That Doesn't Require a Photo: Know Your Options!
