Recently, Serasa launched a new version of its application Score, where the user can access some information, such as their score. This data is generated from your financial behavior and ability to be up to date with your accounts.
"To thependenciesofpastpassTheto have any less Weight,whywe passedThetake more in consideration you positive habits recent, like bills paid in day.At themodel current, who quit everything in a day makes a lot moredifference", said Lucas Lopes, product director of the Serasa during a press conference.
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What are the changes in this new version of the app?
In practice, Score 2.0, as it has been called, is working as a form of positive registration with a tendency to increase credit opportunities for its users in better conditions of rates.
With this, current credit payments, which are recorded in the Positive Register, tend to be more important now for the score of its users. In the past, a person's debt history weighed heavily on the score.
From this new update, the company claims that it is easier to understand the reasons for the increase or decrease of the score. In addition, from month to month, it is possible to access the detailed history of the score, in order to understand what has influenced the variation the most.
The static model has also been updated, as has the weight of information for user score calculations.
Main factors that change the score
To calculate each user's score, the main factors analyzed are:
- Register of Debts It is Pendencies:Pendencies in yourname,debts It is debt payment;
- Evolutionfinancial:Information about your time to relationship with OMarketplace of credit and participationincompanies;
- Commitmentwithcredit:Information yours RegisterPositivereferringto thecontracted credits;
- Consultationsto the your CPF:Consultationsperformedpercompanieson your Score.
How to download the application?
To access the new version of Score, Score 2.0, just go to your smartphone's app store, Google Play for Android and Apple Store for iOS, and download it. To find more information, just go to the official Score 2.0 website.
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