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What is negative is a common question, since not everyone is familiar with the topic of “debts”.
Therefore, when the collection letter arrives with the words “negativado”, many people end up not understanding what it is about.
After all, what is negative? Is it synonymous with debtor? What are the consequences of being negative?
All these questions will be answered through the following content, where we will explain everything about negative ratings.
Therefore, to stay on top of the subject and understand everything about debts and their consequences, stay with us!
What is negative?
You've probably heard the term "negativado" (a person with a bad credit history). In general, the subject comes up when talking about loans for people with bad credit or about the losses caused by financial debts.
But, after all, what is negative?
The term negative is used in the financial market to define people who have registered debts.
This means that when a debt is incurred and it is registered with credit protection agencies (SPC and Serasa), the holder is considered to be in debt.
The reason for this term is because when the name is in the SPC or Serasa, the holder suffers some losses.
Among them, we can highlight the reduction in credit scores and the difficulty in obtaining credit, loans and financing.
This is because the name in credit protection agencies indicates that the customer did not fulfill their financial obligations.
This signaling makes other companies not trust in granting credit, which hinders the citizen's financial life.
Therefore, being in debt is synonymous with being in debt in the financial market, and consequently having limited credit opportunities.
So, in a way, we can consider that negative is synonymous with debtor, but the term negative indicates that this debt is registered.
What are the consequences of having your name blacklisted?
At this point you already understand what a negative person is, and what differentiates this term from the famous "debtor".
As we have seen, debtor is a broader term, while negative establishes that the debt is registered with credit protection agencies.
But, what we still need to explain is the consequences of having your name blacklisted.
This is because, as we well know, one of the main disadvantages of taking on debt is the constant collection.
Phone calls, emails, letters, SMS and many other resources are used daily to contact the customer and request payment of the debt.
But did you know that the losses of having your name listed on a negative list go far beyond that?
We will see below the main consequences of having a negative name.
Difficulty in obtaining credit
The main function SPC and Serasa is precisely to indicate whether a given CPF has debts.
Therefore, after someone has their name blacklisted, their CPF is registered with these agencies, which exposes them to default.
Therefore, whenever you try to get credit from another company and they consult your CPF, you will have access to the debts.
Therefore, your chances of getting credit will be lower, since lending money to debtors is considered risky.
So, in addition to knowing what constitutes a negative rating, it is important to avoid falling into this situation, in order to avoid having credit denied.
Score drop
The credit score is a Serasa resource that serves to indicate the chances of a customer paying their debts in the coming months.
Many companies use the Score to determine whether or not to grant credit to customers, even if they have a clean record.
With that, the Score is a score from 0 to 1000 which takes into account your payment history.
Therefore, the more debts you have, the lower your score will be.
The big problem is that it is easy to drop your score, as all you need to do is get into a simple debt.
However, increasing it is not that simple, and requires patience and a lot of financial responsibility.
Therefore, suffering a drop in your score can have a big impact on your financial life.
Therefore, it is worth staying up to date with what is negative and how to avoid this situation!
Name in protest
And finally, the last disadvantage of being listed as negative is having your name protested.
When this occurs, the debt is registered at a notary's office, so that the situation is duly clarified judicially.
Therefore, having your name protested at the notary's office makes it difficult for you to negotiate, and makes your default more serious.
Furthermore, the name only ceases to be in protest upon payment of the debt.
So, it's worth knowing what constitutes a negative rating and trying to resolve your debts as soon as possible to avoid protests.
After knowing what is negative: how to get out of this situation?
At this point you already know what a negative rating is, and you understand the complications of this situation.
Therefore, if you are going through this problem, you certainly want to get out of it as soon as possible.
But how is it possible to stop being negative?
As we have already explained, negative listing is a consequence of debt.
Therefore, the only way to get out of it is through debt negotiation.
This means that you must look for ways to regularize your situation and get out of default.
This can be done in two main ways:
- Full payment of debt;
- Negotiation for payment in installments;
The first option is for those who can afford to pay the debt in cash, and usually have better payment conditions.
The second alternative helps those who do not have the full amount, as it allows them to pay little by little.
In this case, the interest is usually higher, but it is certainly better than keeping the debt.
After payment, the company is obliged to "clear" the customer's name, that is, remove it from credit protection agencies.
This way, you will no longer be in debt and will be able to rebuild your credit profile!
It is worth mentioning that for payment in installments, the company must clear the customer's name after payment of the first installment, since with the negotiation, the debt ceases to exist.
As for the deadline for regularizing the name, the company must remove your name from SPC or Serasa within 5 business days after payment.
So, we can see that it is not that difficult to get rid of negative information, but you need to be financially responsible.
