Consult your CPF for free at Serasa and learn how to improve your score

Consult your CPF for free at Serasa and learn how to improve your score
Consult your CPF for free at Serasa and learn how to improve your score
In difficult times, of the Covid-19 pandemic, many Brazilians have been struggling to keep their accounts up to date. Reorganizing the finances at this time is important to avoid restrictions on the CPF and a drop in the score, which can make it difficult to obtain credit from banks and installment stores.

Consultation of the CPF situation can be carried out free of charge through the Serasa website or application. Check out the step by step below:

  1. Access the Serasa Limpa Nome website, click on “Consult Free Debts” and enter your CPF;
  2. If it is your first access, you will need to complete a registration, where you will be asked for information such as CPF, full name, date of birth, e-mail and a password;
  3. That done, it will be necessary to perform the verification. You have two options to receive the authentication code: by SMS or e-mail. Choose one and confirm;
  4. Enter the code received and tap “Confirm code”. Ready! Your CPF information will appear on the screen

To make the consultation through the application, just download the Serasa Consumer, available on Google Play and App Store.

How to improve the score

The Serasa Score is a score ranging from 0 to 1,000. And it indicates the chances that a given profile will pay the bills correctly in the next 12 months. The credit score is one of the items evaluated in the granting of loans, financing and cards. Check your score for free on the Serasa website.

The following table shows the scoring ranges and their respective risk of late payments:

Tips to improve the score

Clear your name: The first and most important step to improve your Score is to pay everything you have pending. It is possible to negotiate your debts through Serasa Limpa Nome, where you can find offers with up to 90% discount, or directly with the company that denied you.

Be punctual: Pay your bills on time. If you prefer, put them on automatic debit, a practical way to keep payments on time. If you do not have accounts on your CPF, consider the possibility of having a electricity, water or even credit card account (even if you do not have so much limit) in your name. This is because this information is accounted for in your Positive Register.

Update your data at Serasa: Keep your personal data always updated at Serasa. The more accurate the basic information about you such as age, address and phone number, the more reliable your registration will be.

Keep your Positive Register active: The Positive Register shows your relationship with companies in the last 12 months. So, the longer your relationship, the more relevant that information becomes. Paying the bills on time, paying the full amount of the invoices, all of this can add up to a few points.

Consciously ask for credit: When many queries by companies are made on your behalf, this can characterize an uncontrolled search for credit. When applying for credit, your Score may fluctuate, but it is only for a moment. The score will be restored shortly. Still, the less credit you make, the less the impact.

Watch Serasa’s tips to improve your score:

This news was updated on April 3, 2021 14:20

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