How to know if your CPF is negative in Serasa

Difficult times can lead to the creation of debts, because of a delay in paying a bill or some problem that leads to an expense that hurts a lot in your pocket. Several doubts also appear, and being negative in the Serasa can be an important issue when tidying up your accounts. And you're not the only one who might be struggling to pay off their debts. According to the default map, prepared by the Serasa, 66 million Brazilians had accumulated debts in April 2022.

Preventing you from entering this year's statistics requires you to take several precautions. One is to pay attention to your credit score. At these times, it is also worth consulting your CPF inside the website of Serasa to find out about your condition. throughout this post, you can find useful information on how to deal with this matter and how to check the status of your name on the institution's website.

What are the risks of being negative?

One of the consequences felt by those who have a negative CPF in the Serasa is the decrease of score, which is a score given by companies that grant credit. Thus, you are less likely to get a new credit card or get a credit card, for example. Other problems can arise when you try to rent a house, take out loans or other procedures that check your credit score.

The data associated with your name, when you are negative, appears to banks as a sign that you are unable to pay your bills. In practice, it is as if you were known as a “bad payer”. As a result, banks and financial companies no longer trust whether or not you are going to pay for any credit transaction you have made. Having excessive outstanding debts, therefore, is never a good choice if you want to count on those card purchases at your favorite store.

How to know if your name is negative in Serasa

The consultation can be done easily within the website of the Serasa, just access the address and follow simple steps. You don't even have to spend money on this consultation, and that's where you have access to other services, such as negotiating with creditors.

To check your status with your CPF, you just need to provide identification and contact information to be able to check. Here is an easy list of how to go about the process:

1. Get in on Serasa website;

2. Click on “Check Free CPF”;

3. If you have already registered on the Serasa website, click on enter, enter your CPF and password. If you do not have a registration, just click on “Login” and then click on the option “Create an account”. Enter your personal data and confirm your e-mail to be able to log into your new account.

4. Click on “my CPF” and check if there is anything pending.

How long can your name be negative?

This may mainly depend on when you pay off outstanding debts in your name. When your CPF is no longer associated with debt, you are better able to get credit. It is also important to know that the most common period for your name to be cleared is five business days after the debt is paid. Remembering that this is also related to the number of debts you have.

That is, having the CPF normalized and ready to get credit again depends on the discharge of outstanding debts, not just one that is weighing more on your budget, for example. Therefore, it is important to always check your identification on the Serasa, if you suspect an account that has not been paid. That way, you better monitor how many debts are still in your name.

Another valid tip is to pay attention to the messages that some company sends you about some debt for a late purchase. Incidentally, companies have an obligation to inform about this and cannot include their name in lists of people with active debts, without first notifying the consumer about this operation. In general, this list of defaulters can be identified for up to five years.

Myths about negative CPF

Knowing relevant information on how to keep your accounts up to date involves knowing some false information on the subject. There are even details in Brazilian legislation that, sometimes, are not known by everyone. That is, in addition to consulting your CPF, it's good to stay on top of some lies spoken about credit protection. Check out some of these myths about bad debt:

Renegotiation and settlement of the debt in full

If the first installment of the debt that is in your name is paid, your name already leaves the list of debtors. Therefore, you do not get your CPF negative without paying what you owe in full: just start solving the problem so that your name is no longer listed as restricted. Afterwards, you go back to relying on credit score.

A common doubt also regarding this myth is about debt extinction. It happens when the person who is in debt signs a term that eliminates the accounts that were without payment. From then on, the negative name in the Serasa becomes free of this classification and you can now use credit services.

Credit protection consultation and employment contract

This myth is usually related to a fear of not being called to a vacancy just because of being in debt. But there is legal protection against any discrimination in the selection process for a job, including because of negative CPF. The law that deals with this issue is 9.029/95: the rule prohibits recruiters from discriminating as a way of not hiring someone.

Therefore, you cannot be left out of a vacancy simply because of that. This means that there is no relationship between not being hired for a new job and being in the Credit Protection Service, or even having a negative name in the Serasa.

Purchases made by third parties

Even if the purchase was not made by you, but you have some documentation in the payment process, the debt will be related to the person in this procedure. In other words, purchases made on your behalf by other people may yes lead to a negative credit rating if not paid on time.

Thus, if you let someone go shopping for you or with any of your documents, as a favor, for example, there may be a risk of getting into debt if you are not careful: your name may end up on the protection service list. to credit.

See also:

How to use Splitwise to split bills as a group

WhatsApp releases purchases via debit, credit and prepaid cards in the app

Sources: Serasa | me in day | Value Invest.

Text proofread by: iris xavier (02 / 04 / 2023).