Currently, approximately 70 million Brazilians have their names registered with credit protection agencies. As analyzed by Serasa, the ninth consecutive increase in the number of defaulters in the country was recorded, using data reported in the month of September.
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The main age group among negatives is 31 to 40 years. Therefore, know the effects generated for those who find themselves in this situation.
Consequences of having a negative name
The financial aspect is the main thing when we have a negative name, since people in this situation have more difficulties in obtaining financing or credit services, such as loans and derivatives. This is because most institutions that offer these services carry out a prior credit search in relation to the applicant, and thus end up denying the request of those who are negative.
Another relevant point is about credit cards. If the negative already has a card, you can see that getting the limit increased is quite difficult. Those who do not have it will have greater difficulties to obtain one. This happens because the negatives have their names registered with a credit protection program, such as the SPC or Serasa.
Thus, defaulters have a low score, which is why experts recommend discharge of debts as quickly as possible, thus getting rid of these consequences quite unpleasant.
The consequences go beyond the financial aspect.
While the financial consequences are very damaging in and of themselves, this is not the only result of default. Negative people can also have an impact on their mental health, as this scenario can increase anxiety and worries. Not to mention those who don't even imagine having any active debt, and end up finding out when it's too late.
Therefore, it is recommended to consult your CPF with Serasa, which can be done free of charge by accessing this site.
How to pay off debts?
The main tip to get rid of debts is to use the scheme A B C D. The method consists of separating expenses into these four letters, A being those that are indispensable, B being those routine bills that need to be paid, C are expenses that can be avoided and D are those expenses unnecessary.
Thus, the negative can check where it is possible to save to get financially organized, pay existing debts and have the name removed from the credit protection agencies.
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