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Quickly learn everything you wanted to know about the Serasa Score. As well as clear up your doubts about this scoring system once and for all!
Does the Serasa Score drop when the consumer makes an inquiry?
At first, this is one of the biggest concerns and is also part of a huge myth about score from the credit bureau.
By the way, the consumer can check the credit score as many times as you want without the number decreasing.
At the same time, Serasa has the function of showing consumer behavior in the credit market.
Therefore, spending habits need time to show how you handle money.
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However, increasing your score doesn't happen overnight. In other words, you need to be patient. The sooner you can pay off your debts, the better your score will be.
A golden tip to keep you always on top is to set up all your bills for automatic debit.
However, it is still worth remembering that having a good score is not a guarantee of credit approval. But despite this, it increases the chances a lot.
After all, a good reputation with Serasa helps the customer to get the object of their dreams.
As well as your consultation is easy and simple, it can be done for free using only the internet.
Putting your CPF on the note does not increase your score
Another common question is regarding the CPF on the score. In fact, this does not increase the score. Since its inclusion is not part of the Serasa calculation.
It is possible to obtain financing even with a low Serasa score
In advance, the answer is yes! It is possible to obtain financing even with a low Serasa score. However, access is more difficult but this does not restrict the possibility.
Since the decision to release financing or not is always up to the lending company.
Checking your score is free
First of all, checking your score is free! Everything is very easy and straightforward.
First, you need to do a simple registration on the website or app, it takes about 5 minutes.
In this sense, you can consult it whenever you want. You also don't pay any fees to view your profile. In addition, you can see all your outstanding debts and negotiation offers.
The Score does not capture your entire financial history
Another very common question that consumers have is regarding financial history. According to the consumer protection code, debts expire 5 years after the due date.
Therefore, this means that the customer's name cannot remain on the negative registry for a period longer than the statute of limitations.
Furthermore, Accounts older than 5 years are not taken into account when calculating the score.
The Serasa Score is not open for consultation by anyone
Finally, the service offered by the credit bureau is known only to the consumer and partner companies. They are used to help in making decisions about whether to release credit or not.
In other words, other consumers do not have access to your score or your data. Did you like this information? Then like, comment and share!
