Finding out if you have a bad name, that is, if there are any restrictions on your name with credit protection agencies, such as Serasa or SPC, can be done in a few ways. Here are some options:
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Online Consultation with Credit Protection Bodies:
Serasa
Serasa Experian offers a free consultation of your CPF. You can check your status by accessing the Serasa Consumidor website (https://www.serasaconsumidor.com.br/). After creating an account, you will be able to view information about your credit score, outstanding debts and financial outstanding issues.
SPC Brazil
SPC Brasil, also known as Boa Vista SCPC, allows you to consult your CPF for free through the Consumidor Positivo website (https://www.consumidorpositivo.com.br/). Likewise, you will need to create an account to access your information.
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Consultation at In-Person Service Agencies:
You can also go to credit protection agencies in person and request information about your CPF. Remember to bring a photo ID.
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Consultation through the Bank Application:
Many banks offer the functionality to check your CPF status directly through the mobile app. Check if your bank offers this option.
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Receiving Communications by Mail or E-mail:
If you have outstanding debts, you may receive communications by post or email informing you of the situation. Please pay attention to these communications as they may contain important information.
5. Consultation at Notary Offices:
Some debts can be registered at protest offices. You can check if there are protests in your name by visiting the website of your local registry office or going to a registry office in person.
Remember that Brazilian legislation guarantees the right to free access to information about your CPF. If you find that you have a bad name, it is essential to try to regularize the situation, contact your creditors and negotiate the debts. This can be done directly with companies or through consumer protection bodies, such as Procon.
Staying informed about your financial situation is crucial to making informed decisions and maintaining a healthy credit history.
