Many Brazilians lose control over their debts and, thus, end up with negative CPF on the market. However, having a dirty name is not a reason for despair, since the important thing is not to remain in that condition for a long time.
In this way, we have prepared a text thinking about answering all the questions about how to clear the name. Follow this article and learn more!
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The harm of having a dirty name
Having a negative CPF can cause some problems, such as the blocking of assets by the court. By having their assets frozen, citizens are unable to move them and may even lose them if they do not pay their debts.
There are also cases of judicial control of money deposited in a bank. Thus, in addition to having the properties blocked, it is also possible to lose access to the money deposited in the bank, as a way of requesting payment of the debt.
Clearing the name is the first step to unlocking the assets, but even so, having the CPF negative only once is enough for companies to be alert when it comes to granting new loans. This is because, in addition to clearing the name, it is necessary to regain points with the market, since, when negative, the score to obtain credits in banks is soon negative.
Step by step to clear the name
The first thing to do when clearing your name is to look for your CPF on the Serasa website, as some people may have a dirty name and don't even know it. Thus, after carrying out the consultation, it is indicated to discover the debt responsible for this situation.
In this case, create an account on the Serasa website, search for the debt that caused it, together with interest and corrections for default and, if possible, make the payment. However, if you do not have the full amount, some companies agree to negotiate, offering easy conditions such as discounts and installments.
To prevent your CPF from becoming negative, it is important to have control of all your debts. Write them down in a notebook every month, do not exceed the purchase limits and only buy what is really useful to you. Some economists suggest asking yourself before buying something: “Do I really need this?”.