A while ago, between the years 2003 and 2010, those who had the dirty name were considered by the finance bodies as bad payers, being basically frowned upon by banks and credit companies. However, nowadays, in a country where more than 65 million people have the “dirty name in the square”, it is clear that this dynamic is no longer as credible as it used to be.
The reality is that the crisis linked to the pandemic brought unexpected expenses and made it basically impossible for Brazilians to keep their bills up to date. In this way, having a dirty name can be a major obstacle for those who need to acquire a loan, financing or even having a credit limit released by a certain Bank. In this sense, we have listed below some circumstances that may contribute to you getting a dirty name, check it out!
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3 things that can get your name dirty
1. Delay in payment of debts
This, without a doubt, is one of the main reasons why you get a dirty name. Late payment of bills can be catastrophic for those who want to keep their names clean and have a score positive.
2. "Blank" checks
This reason is being used less and less. In fact, checks continue to be one of the biggest reasons for default by Brazilians, but which, however, has shown a progressively lower adherence. Thus, any “bounced” check forwarded to a third party may have your name negative.
3. Lawsuit
This situation is similar to the protest at the notary, however, the difference is that in this matter the creditor enters in court to collect the debt, which, consequently, may negative your name in the organs of protection to the credit.
Geographer and pseudo writer (or otherwise), I'm 23 years old, from Rio Grande do Sul, lover of the seventh art and everything that involves communication.