Currently, there are approximately 70 million Brazilians registered with credit protection agencies. As analyzed by Serasa🇧🇷 The ninth consecutive increase in the number of defaulters was recorded in the country, using the data received in September.
Read more: Debt accounts for 30% of family income
The main age range among cons is from 31 to 40 years old. Therefore, learn about the implications 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 noun, as people in this case have more difficulties in obtaining financing or credit services, such as loans and its derivatives. This is because most of the institutions that provide these services conduct a prior credit search regarding the applicant and thus end up rejecting the application of those who are negative.
Another relevant point related to credit cards. If the negative card already has a card, you can see that increasing the limit is very difficult. Those who do not have will have greater difficulties in obtaining one. This happens because negatives are enrolled in a credit protection program, such as SPC or Serasa.
Thus, defaulters have a low score, which is why experts recommend paying off debts as soon as possible, thus getting rid of these rather unpleasant consequences.
The consequences go beyond the financial side.
While the financial consequences are very devastating in and of themselves, this is not the only consequence of default. Negative people can also have an impact on their mental health, as this scenario can increase anxiety and anxiety. 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 are debts paid off?
The main advice to get out of debt is to use the scheme a B C D🇧🇷 The method consists of separating expenses into these four letters, where A is indispensable, B is the routine bills that must be paid, C is the expense that can be avoided and D is the unnecessary expense.
Thus negative can check where to save for financial regulation, pay off existing debt and remove name from credit protection agencies.
