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No one is free to include their PCF in credit protection organizations such as SPC, Serasa or SCPC. In addition, this situation can occur for various reasons, such as health problems, loss of employment, among others. However, this is not the end, know that you can recover your finances and find a credit in the market with relative ease, depending on your degree of indebtedness. If you are having financial problems, keep reading this article carefully.
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Gold tips to get out of SPC and Serasa and start getting credit in 2019
What are credit protection agencies?
Some service providers manage huge databases. with the names, CPFs and any debts due. This database is made available to all companies that outsource their services, in order to serve as criteria for the granting of credit to the consumer, and businesses, in consultation with the CNPJ.
CPS – Credit Protection Service
The CPS, or credit protection service, is funded by trade badociations (Chambers of Shopkeepers) and its database is populated. accredited companies and state trading badociations. In the meantime, Serasa Experian has the largest database in Latin America and is able to provide the most comprehensive reports.
Serasa Experian
Serasa Experian has the largest database in Latin America. the market. The Serasa Experian was originally created from a partnership of banking badociations, but currently belongs to the Irish group Experian.
Boa Vista SCPC – Central Credit Protection Service
Boa Vista is a Brazilian company established approximately 60 years ago as SCPC (Central Credit Protection Service). The company is a forerunner of the positive register and has one of the largest databases containing consumer information.
CCF – Register of Check Issuers Without Funds
Finally, we still have the CCF, administered by Banco do. Brazil.
Check the status of your CPF
To know your situation in the market, it is important that you check your CPF all these companies. However, since many pieces of information are interconnected, it is imperative to check the Boa Vista SCPC website and Serasa Consumer (the Serasa Experian arm). You can even check via the GuiaBolso application .
In both applications, you can check who your creditors are. In addition, as well as the amount of debt at the time of refusal. Do not forget to check your credit score because this is another credit granting criterion widely used in businesses, banks and financial institutions.
Try to negotiate with your creditors
Knowing the values of your debts makes it easier to start negotiating with your creditors. Offer a value that fits in your pocket, without any inconvenience. Do it if you can install it, but always make sure not to compromise your budget. Enjoy everything you receive with extra money, like your thirteenth, paid legally by companies until December 20th.
Also enjoy any type of offer that appears to you before the end of the year. One trick is to use Serasa Consumer's " Clean Berries Name ", which exists both physically and via the website itself. Another possibility is to make a loan to get rid of abusive interests. In the meantime, always prefer the loan with vehicle or property warranty, or finally the payroll. Avoid and do only one last negative loan. This is because you pay interest of up to more than 20% per month.
A tip is to take advantage of fintech Good For Credit . You can register on the site and wait for the badysis of the tool. Depending on your credit profile, you will be directed to companies that wish to lend, among the partners of this institution.
Concluding Remarks
I hope to have helped readers who need to get away from the road to be able to walk giant leaps towards the resumption of credit in 2019. If you wish to contribute, let your comment below. Follow us on our social networks like Facebook Twitter and Instagram . Follow our news and articles on digital banking, digital credit cards, financing and loans. Finally, as well as everything related to the world of fintechs.
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