Serasa has changed the methodology for calculating the weighting of the credit score since the launch of Cadastro Positivo, and now grants a higher value in the score to those considered good payers. Thus, with the Serasa Score update, its calculation method this month has changed and brought different weights to some factors. Check out the full article and learn more about the new serasa score.
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What is Positive Registration?
There is a record of your credit behavior which is known as Cadastro Positivo. It is with this registration that it is possible to provide information about your finances, such as, for example, your punctuality and payment history. It is similar to a financial resume, to understand your savings.
But what about Serasa Score 2.0?
Known as Serasa Score 2.0, it is nothing more than the Score update that Serasa created in May last year. The calculation of the score is based on the financial behavior of the individuals. With this new scoring model, a new calculation method was introduced.
How does Score 2.0 work?
Serasa's new score, which ranges from 0 to 1000, shows the market its possibilities for payments on time. The higher the points, the more likely you are to have your credit approved. Therefore, bills paid on time carry more weight. In other words, Cadastro Positivo records will now be worth more points (56% instead of 55%).
Why did this change in score occur?
Heber Alves, executive director of Serasa Score, explained in an interview with EXAME Invest that the change occurred because the model Credit score statistics are periodically reviewed to detect any changes in credit score information. consumer.
Thus, the goal is for the score to accurately reflect the financial behavior of the consumer. The criteria are divided into groups, where each group has a certain weight to influence your judgment. The calculation considers both positive and negative consumer information.
Some of your changes
The amount of credit granted also increased with the payment of debts and obligations, from 20% to 33%. Meanwhile, Serasa reduced the weight of variables associated with consultations with the consumer's CPF, from 17% to 6%. This variant has a lighter weight for consumers. The way Score 2.0 is done also analyzes the financial development of the consumer, including his involvement in society (partner) in small and micro-enterprises. In this case, the weight dropped from 7% to 6%.
