Does putting the CPF into the observation help or hinder the outcome?

The Balance level It is a tool widely used by major credit protection agencies in the country, such as SPCAnd sera And good view. It works like a thermometer that assesses whether a person is good at paying their bills or whether they are untrustworthy when it comes to paying off debts.

Read more: Positive Registration: Who is a Registered with Benefits? How to enter?

To arrive at a score ranging from 0 to 1000, each consumer is evaluated based on their history of financial transactions. The higher the score, the greater the ability to pay off that person’s debts. In this sense, it becomes easier to get a file CardAnd loan or Finance.

However, the “weights and measures” rule also applies to those with lower scores. In this case, since the risk of a person not repaying overdue debts is higher, this situation ends up preventing the granting of credit by banks, institutions and finance companies.

The solution, then, is to improve the points for the stability and regulation of the financial situation. In addition to paying bills on time and without delay, there is a saying Putting the CPF on the note increases the credit score. But is this true?

Myth or Fact: Does Placing CPF on Observation Increase or Delay Outcome?

In fact, both cases. A consumer who wants to put a CPF on the bill during a purchase will not have his credit score affected or improved. What happens is that the credit protection agencies do not use this tool to calculate the temperature of Serasa.

Including the CPF in the bill is actually a way for each state’s government to control commerce tax levies, ICMS as well as contribute to combating the practice of tax evasion.

What can actually help consumers increase their credit score is: having a positive history, i.e. a history of being a good payer, paying off or negotiating negative debts, being careful about repetition when asking for credit (since excessive practice can represent lack of control over finances), plus there is always up-to-date data in the protection agencies.