Check if your score has gone up with the update

a sera announced that it has adopted a new method of calculating Balance level from consumers. With Score 2.0, the system will value good payment habits more than a person’s debt history when determining their score.

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The scale will remain the same: from 0 to 1000 points. The closer to the higher margin, the more the consumer considers paying better salaries and the higher his chances of getting good deals credit.

“With more information, we are more accurate and consistent. In our tests, we noticed that more people improved the score than lost when going from a 1.0 score to a 2.0 score. Even with some debt historically, people had a better credit rating” .

What changes

The change will affect the weight of each item used in calculating the risk presented by the consumer. According to the product manager at the credit bureau, Lucas Lopez, the company began obtaining more financial information about individuals after creating positive recording, which will facilitate the change.

Since May 26, the new result is already available on the Serasa app, and there are expectations that the tool will hit the website as soon as possible. Remember that the result took into account all records recorded in the consumer’s CPF in the last 15 years.

new result

Check out the new score approved by Score 2.0: