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Brazil, in August 2018, was practically an "Italy" of defaulting countries. That is 63.4 million Brazilians, according to the Credit Protection Service – SPC of Brazil. As if that were not enough, several companies propose to remove the name of SPC, Serasa and SCPC without paying the debt. Is it possible?
Verification of 5 types of loans without prior consultation of the CPS and Serasa!
It's possible Clean the name on SPC, Serasa and SCPC without paying the debt?
You must first determine if your name is negative, which is very simple to do. In addition to being able to consult personally on the Internet, you can also directly consult the Web site Serasa Consumer or Boa Vista Consumer . By performing a simple registration on these sites, you can check all financial problems. In addition, you can view your credit score, which is also used in the credit badysis performed by the institutions.
Without doubt, erasing the name in SPC, Serasa and SCPC without paying the debt is a blow.
Promise to Negotiate with Creditors
One badumption is that the company declares that it will identify and negotiate with creditors and asks for a value for this intermediation does not exist. The money is handed over to the office as a down payment and the consumer will probably never see his money again and will not even be able to contact the trader anymore. It's even necessary to do.
Promise to erase the name in court
There are also boards that offer to negotiate the consumer's debt in return for the collection of interest. abusive. Fees are charged to bring the debt issue to court. If he complies with the request for an injunction, the judge removes the offender's name from the credit protection records. However, it is quite common for the court to review the case and consider the debt to be correct and the consumer's name to be refused again. At this moment, the client is looking for the office that has been brought to justice and no one else is in the place and even the phone to contact.
Promise to change database
This type of offer is very serious, and consumers to have their name deleted from the default register by paying a certain amount. First of all, it should be noted that this does not exist. Usually, companies ask for confidentiality and do not tell us how they delete the name. Unfortunately, the consumer is lacking money and still does not erase the name on SPC, Serasa and SCPC.
The consumer may complain of improper interest
It is possible to claim an abusive interest in a court of law. However, above all, it is important to contact your creditors directly and try to make trading possible within your budget. You can always get help from consumer protection agencies, such as Procon, to detect potential misuse or collection errors.
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EDUARDO MENDES
Graduate in Business Administration from the Federal University of Rio Grande do Sul and founder of Optclean Technology, Student Connection and Your Digital Credit.
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