If you are one of the millions of Brazilians who are in arrears, check out the tips on how to clear your name on Serasa Online, in 4 steps and without leaving your home.
Serasa Consumer is a private company that has one of the largest databases in the world and dedicates its activity to providing services of general interest. The institution is recognized by the Consumer Defense Code as a public entity (Law 8078, article 43, paragraph 4).
Here, you'll know everything you need to negotiate and remove debts from your name online and with peace of mind. A simplified step-by-step for you to organize your finances, get out of the red and change your life.
First, you need to know exactly what your debt is. There are people who are negative and don't know it. This happens mainly when you change your address and eventually forget to notify a company. For example: the gas company, a market card or a ticket from some store that you bought a long time ago.
To consult your CPF online, visit serasaconsumidor.com.br/consultar-meu-cpf/
As soon as you check your CPF, you know exactly how much and to whom you owe.
See the step-by-step guide to consult your CPF at Serasa online and for free:
Step 1:
Access the Serasa Limpa Nome website, enter your CPF and click on “consult”.
Use the same password created to consult your Serasa Score. If you haven't registered yet, just click on “register for free” and fill in the details.
Step 2:
Check your debts and choose the best negotiation option for your pocket.
Step 3:
Follow the negotiation steps.
Step 4:
Click generate the ticket and make the payment.
After payment, the company will write off your debt and your name will be cleared again.
The deadline for companies to remove the debt from their CPF and leave their name clean is 5 working days after payment. In addition, the company also needs to deliver a receipt that the amount has been paid.
Check out some good reasons to clear your name:
Having control of financial life is much more advantageous than getting lost in debt. So, here are some real benefits to keeping your name clean:
Have a healthier life. That is, those who have their financial life in order have more peace of mind, sleep better and get sick less.
Quality relationships. In other words, lack of financial control is one of the main causes of couples breaking up. Undoubtedly, being transparent with your family about debt can help bring more harmony to your home.
Productivity at work. Keeping up with bills makes a big difference in other areas of your life, like work. In addition to greater confidence in a job interview, you can better focus on professional tasks if you don't have to worry about debt.
Build a positive story. In addition to providing a fairer credit analysis, some institutions may offer lower interest rates for those who are part of the Positive Register.
Remember: When bills get out of control, you need to stop everything.
Yes, starting from scratch without despairing. Make a detailed plan of everything you earn and everything you spend. Organize your family's budget in a simple way and see how much you can save per month, look for an extra income, save money, collect coins. Everything at this time helps to gather the necessary amount to pay off your debt.
Consulting your CPF frequently can help you find out about possible fraud in your name. Thus, you receive alerts every time your name is consulted.
But if you just want to see how your name is doing, just consult the Serasa and remember it's easy and free.
Source: Serasa Consumer