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Now that you know what it is, credit score and how it can influence your finances, let's explore some efficient strategies to increase it.
1. Pay Your Bills and Debts on Time
The main factor affecting your score is the history of payments. If you have outstanding bills or are late in making payments, this negatively impacts your score. The best way to increase your score is to pay your accounts on time. This includes:
- Consumption accounts: Water, electricity, internet, among others.
- Purchase installments: Like the installments of a cell phone or home appliance.
- Loans and financing: Such as personal credit or vehicle financing.
Paying everything on time makes Serasa see you as a good payer, increasing your score credit.
2. Negotiate Your Overdue Debts
If you have overdue debts or financial issues, it is crucial to regularize them as soon as possible. To do this, look for renegotiate with the companies involved. By paying off or paying part of the debts, your score begins to improve. In addition, Serasa offers platforms for debt negotiation, where it is possible to close advantageous deals.
By regularizing the pending issues, you regain market confidence and begin to see your score go up.
3. Update Your Information on Serasa
Have your registration information updated on Serasa also positively influences your score. This includes your address, phone number It is bank information. By always keeping your data correct, you prevent Serasa from considering outdated information about you, which could impact your score.
Additionally, keeping your details up to date helps companies contact you efficiently when needed.
4. Avoid Using Your Entire Credit Limit
Use your credit limit excessively can negatively affect your score, as this demonstrates a possible lack of financial control. By using a good part of your limit, you run the risk of getting into debt and compromising your score. The ideal is to keep the use of credit below 30% of your limit. This shows that you have financial control and is more reliable for financial institutions.
Also, whenever possible, prefer to pay the full amount of the invoice. credit card instead of paying the minimum. This helps to avoid high interest and contributes to increasing your score.
5. Use the Serasa App to Track Your Score
An efficient way to track your progress in credit score is to use the application Serasa. It provides a detailed view of your credit report, allows you to track your score in real time and even receive tips on how to improve your score.
You can access the app for free, and it also allows you to view the status of your debts, if any, and how they are impacting your score.
