Being owed, not being able to pay all the bills and having negative CPF is absolutely normal. Even more when it comes to times of economic crisis like the ones that in Brazil are living at the moment. And when the money can not be made until the end of the month, there is no one who does not despair.
What to do when this happens? Many times you will need a loan or personal credit. But, contrary to what one imagines, you can, yes, apply for unsecured loan and loan with the dirty name. Depending on your case, this may be a good way to even clear your name.
Having your CPF denied can create many problems for you. When you have your own business, the situation can further complicate. The CPF and the current name work as collateral in the market. Do not let debts sink your financial life.
What are the precautions when you have negative CPF
Having your CPF denied means having your dirty name on the square, as the popular expression states. This occurs when you stop paying bills, especially large bills. If you do not pay bills such as bills, bills of lading, tickets or other debts, the delay leads creditors to protest the debt in the collection agencies and the consequent default leads to the denial of the CPF.
With negativity, you can not acquire goods like cars, real estate and even expensive products. In addition, there is the risk of pledging the good that you have already owned. Companies may not hire people with dirty names, as many of them do this verification.
Anyone with a dirty name can also not use pre-approved credit, request checks and credit cards, or obtain bank loans or financing from many agencies. Its name also loses points in the credit score, a system that many stores and companies consult when it comes to negotiating.
How do I know if your CPF is negative?
Checking the status of your CPF or your name in Serasa is very simple. You can check the federal revenue site or the Serasa website. At the IRS website you can conduct this consultation for free.
In Serasa you can consult the program Protect Me. The consultation on this site is paid for. There is, of course, the possibility of free consultation through the Clean Name Online. The free consultation, however, is not complete. It shows existing disputes with the 90 companies that are part of the Clean Name Online and does not allow consultation to the full base of Serasa.
Another possibility is to consult SPC Brasil. Just go to one of the service counters of SPC Brasil, taking the original CPF and photo document. Any of these queries is valid so that you can verify that your name is clean.
Do I get personal credit with a negative CPF?
Getting a loan with a negative CPF is very difficult, but not impossible. Many banks and financiers do not lend to anyone who has the name dirty. Others do not approve the loan.
The ideal for those who are in this situation is to apply for the payroll loan. This loan is more secured since it is discounted on the payroll of the debtor.
Anyone with dirty name and looking for loans should know that many financiers and banks raise interest rates for this reason. Some financiers have specific loan modalities for those with the name in the negative. An example of this is the creditas.
Yes, it is possible to get a loan with the dirty name, but you should be more attentive and research a lot. Being in a delicate situation, the petitioner often ends up having to pay abusive fees or get in debt even more. Remember that a loan is one more debt that you will have to worry about. Take care not to get into even more debt.
How to avoid leaving the negative CPF in SPC and SERASA?
With skyrocketing prices and basic need articles each time with higher prices, staying with the negative CPF is almost inevitable. However, there are a few things that help you avoid this problem.
The first step is to plan your spending very well, this is critical. The rule of thumb is to not spend more than you get. You should also learn how to renegotiate your debts and pay close attention to deadlines. Keeping the name clean is difficult, but with discipline and care it is possible to accomplish this feat.