Negating the name of the consumer more than once becomes an illegal practice

Nowadays, there are more than 60 million Brazilians with the famous “dirty name“, that is, with some restriction with the credit protection agencies.

If you are negated, stay tuned for all the explanations below.

The consumer who has not paid a debt which is in the credit protection bodies, cannot be denied more than once for the same debt. Therefore, it is illegal the practice of denying the consumer more than once, considering an existing debt.

If the consumer perceives this type of action, which is considered a abusive practice, may immediately call the judicial authorities and request a indemnity for moral damages.

In another case, if the consumer has already made the payment late, it is likely that the name is still negative. This occurs because the debt is still outstanding and is no longer credit protection agencies.

It is worth remembering that it is quite common for the consumer's name to remain negative for up to 30 days after the expiration of its

debit, therefore it is important to respect the due dates established by the companies.

Finally, one should be aware of messages sent by creditors, who are responsible for notifying and reminding consumers about debt settlement.

Check out some notifications below:

• Negation after 30 days of the outstanding debt;
• Sending three notices to the creditor before the denial;
• Respect the rules of negation;
• Inform customers about the requirements for their name to be removed from credit protection agencies;
• If the debtor makes the payment, the creditor must withdraw the name of the credit protection bodies within the legal period of 5 working days.

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