Serasa issues a statement to those with a negative CPF; payment

at recent days, Serasa I made an important announcement about negative CPFs over five years ago. This information is important for anyone facing difficulties due to old debts.

According to Brazilian law, after five years, the judicial enforcement of debts ends. However, many consumers still have problems obtaining new credit or financial services after this deadline.

Why does my CPF remain negative even after five years?

There are several reasons for keeping the name in entities like Serasa and SPC beyond the statutory period, one of the most common being the continuation of charges over the five-year period. These actions keep the consumer in default, affecting their credit score and ability to obtain new financing.

According to Brazilian Civil Code, the statute of limitations generally occurs five years after the debt becomes due, which could theoretically result in the consumer’s name being removed from the delinquent register. However, this does not prevent extrajudicial debt collectors or companies from continuing with collection proceedings.

How to settle registered debts?

To settle outstanding debts registered with Serasa, it is necessary to follow some organized steps. First: carefully check the due date of the debt to ensure that more than five years have passed since its last due date, which indicates that it has lapsed by prescription. Avoid re-acknowledging the debt or making partial payments, as this may lead to the reactivation of the statute of limitations.

Furthermore, it is recommended to regularly check your credit score through the Serasa platform to see if there is a history of outstanding debts that are affecting your score. If the prescription is confirmed, contact the creditor to formalize the debt cancellation request.

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It is also important to keep a written record of all communications to ensure the process is completed correctly.

How to benefit from Serasa discounts?

Serasa Limpa Nove platform offers discounts of up to 90%. Here’s how to benefit:

1. arrive to Name: Serasa Lemba Online or via app (Appearance memory that it internal control Department);
2. Review the listed debts and discounts provided.
3. Choose the offer that suits your financial capabilities and complete the agreement;
4. Pay for the agreement, which can be done by bank voucher or Pix.

Photo: Alison Nunes Calazan / Shutterstock.com