Positive credit and SPC / Serasa – The positive credit He came to appreciate the consumer is different and better. This is because the accounts payable days will also be considered, and companies will be able to view payment history fairer way. However, those who refuse to SPC and Serasa You can have a name, which is included in this cadastre? Understand.
Even with the limitations on the SPC / Serasa can have a positive credit?
Yes. The consumer can have your Positive credit even if she refuses the name on the credit protection agencies like SPC / Serasa.
To your membership, it must access the site with Serasa. Another option is to go to one of the agency Serasa Experian, and thus to present the original identity document.
Name Registry, the consumer may have to pay a good story, providing the best rates on loans and financing.
According to what has been presented, the more information the consumer in the register, the lower the uncertainty about their financial habits.
The information contained in the Register
Shall include in the report information on credit, such as loans, financing and installments. In addition, utility bills, such as water, gas, electricity and telephone can also be used as a reference.
Since the mobile phone data does not enter into the process. However, in any case, about the acquired product information is not included in the report. Only the amount of contributions.
Who will use the information to consumers about the positive credit?
They have access to historical accounts paid in trade, banks, suppliers of financial and general services. Companies will have access to the following information:
- Credit card account;
- Date of acquisition and financing;
- Deadline for payment;
- Amount installment;
- The number of payments;
- Punctuality with which they are paid;
- Registration data (social security number, address and contacts).
Who is not in good credit will have any harm?
As reported, the purpose of positive credit It is in the interests not harm the consumer.
If in the end, it is to request the removal of cadastre, A company that will give you a loan will have access to less information on your profile. For example, the existence of negativadas debts.
This increases the company's ability to provide loans with higher interest rates, because it is only aware of accounts that the user does not have paid.