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Everyone has a CPF and everyone has their reasons for knowing how their name is in the market. But is there any way check your CPF for free and without leaving home? If you don't know how, we'll help you do it and explain how also check your score.
One of the main reasons to check the status of your CPF is to find out if there is any debt in your name. Today in Brazil, more than 60 million people have at least one entry on their CPF. And to clear your name, the first step is to consult your CPF to find out the value and what your credits are.
It's also important to check your CPF regularly even if you don't have any debt. If there is an issue that you do not recognize, you can take steps such as filing a police report and contacting the company making the charges to report the fraud.
What are the consequences of having your name pending at Serasa?
Many people have lost their jobs in recent years and everything has become more expensive. It was necessary to choose which bills to pay and as a result, many people ended up with a dirty name. The economic crisis and unemployment are the main reasons for all this default.
The company that did not receive payment for the bill decides whether the consumer's name goes to Serasa. And she is also the one who removes the client's name from that black list after the debt is paid. Normally all of this is done after negotiation and a deadline for the debt to be paid.
The main consequence of having a bad name is the difficulty in getting approved for credit. The credit card in the store, the credit card you requested from the bank, the loan you need, all of this will be denied if your name is on Serasa.
The negative name also harms the Score. The score is greatly affected for consumers who have their name on Serasa and if you are in this situation today, the tip is that you negotiate the debt as soon as possible so that your score can rise again.
In addition to all these difficulties, if you have a special check and use a checkbook, the bank can suspend all of this and make your options for paying off your debt even more difficult. Therefore, other credit options may be suspended if you do not negotiate your debts as soon as possible.
