Having a “dirty name” in Brazil means that the individual taxpayer (CPF) is registered in the Credit Registry Database. With a negative CPF, a person has difficulty obtaining credit, and with this, he may not be able to purchase a product over the specified term, a mortgage, or even a credit card.
Before obtaining a negative CPF, the consumer usually receives a statement from the store or bank. The company also sends debt notices to credit protection entities (such as seraor SPC Brasil), which also sends correspondence to the consumer, warning him not to include his name in the debt defaulter’s register if he does not settle the debt.
Some people have doubts if they are already on the list of defaulters with a negative CPF. a seraBoa Vista SCPC and SPC Brasil are the three major credit protection agencies in the country. All of them have information about specific companies. This means that even if you are familiar with one, you may be negative in the other.
Check below how to check for free if you have a dirty name. For consultations via the website or applications, pre-registration is required.
With the name listed in the credit protection registry, the consumer will hardly be able to access credit in the market. Therefore, as soon as the name is dirty, it is necessary to settle the situation.
The first thing to do is to check if the debt is owed – if the business was done with the company that declined the name or if, in fact, no payment was made.
If a person does not enter into any contract according to the company that sent his CPF number to the record of credit records, he is likely to be a victim of fraud, that is, someone used his data to gain access to the credit. In the market .
In this case, it is necessary to communicate with the company to inform it of what happened and request the cancellation of the registration. Customers can also contact consumer protection agencies, as well as contact the database manager directly. She can also file a lawsuit to demand settlement of her registration and compensation for moral damage.
If the person has already done business with the company responsible for crediting his name, but has not recognized the debt because he has already paid it, he will have to prove that the debt has been repaid. For this, you must contact the company, report the payment and ask to delete your name.
When a person admits debt, he or she needs to negotiate with the company about payment to settle the debt. In the case of debt repayment in installments, the CPF must be withdrawn from the registry immediately upon payment of the first instalment.
Another hypothesis to exclude the name from the record of credit records is to wait for the statute of limitations for the debt to expire, after which it can no longer be collected. This period varies according to the type of debt.
The statute of limitations for the main debts of an individual consumer are:
- 3 years – promissory notes, promissory notes, real estate rentals, among others;
- 5 years – taxes such as IPTU, IPVA and income tax; tickets. Water, electricity and telephone bills; condominium bills, school fees, health plan and consortium; Credit card.
Once the debt has been identified, the debt cannot be collected and, therefore, the person can request that their name be excluded from the credit entry record.
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