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When you see all your accounts listed, it gives you a clear idea of where your money is. If you have multiple accounts, it might be a good time to think about whether you really need them all.
The Registration It shows you how much you owe and who you owe it to. With this information in hand, you can plan how to pay off these debts faster or even negotiate better terms.
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Knowing how much of your overdraft you are using is super important. If you're using too much, it might be time to tighten your belts to avoid high interest rates.
Your history tells you a lot about your financial habits. If everything is green, congratulations! You are a good payer. If there's something red, it's an alert to organize yourself better. If you own a business, this part is crucial. Understand your company's obligations and credits to make more assertive plans.
Some information can come in the form of graphs and tables. Do not panic! They are there to make everything more visual and easier to understand.
What does the Registration not show?
The Registrato will not tell you what your credit score, that “magic number” that many institutions look at before lending you money or approving financing. It shows your bills and loans, but it won't list every credit card purchase or every transaction you made in your checking account.
If you have money invested in real estate, shares outside the country or other assets that are not part of the traditional financial system, this information will not be there. And if you have a bank account or investments outside Brazil, this information will also not appear in the Registration.
Even if you are one of the partners or directors, the company will only appear if you are the account or contract holder. These accounts are not registered in the Registry. So, if you want complete control, you will need to look at this information separately.
So, although Registrato is a great starting point for understanding your financial life, it is not the only tool you should use. It's always good to have a complete picture, combining different sources of information.
