Clipping of news on Brazilian Culture, Law and Citizenship
10.27.2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Obtain financing, ask increase in the limit of the credit card or checking account has become increasingly common in the lives of Brazilians, especially now, given the crisis that we are experiencing.
Common is also the consumer is faced with the denial of credit, ie the bank or financial simply refuse the loan or financing claimed on the grounds that the consumer has not reached the 'score'.
The so-called 'scoring system' is used by suppliers at the time of lending and corresponds to a risk assessment mechanism. And because of the justification given by suppliers - when negative credit - that the consumer had not reached the score, several lawsuits were proposed by the country against banks and financial.
However, in October 2015, the Superior Court of Justice (STJ) issued Precedent 550, according to which 'the use of credit score, statistical method of risk assessment that does not constitute the database, eliminates the consent of consumer, who will have the right to request clarification of the valued personal information and the sources of data used in their calculation. '
It takes so that the consumer is aware and always ask the supplier justifies - in detail - the reasons that supported the credit negative and, if they are not available, it is the customer's right to seek their rights, formalizing complaint in Procons or looking for the judiciary, after all, information is a fundamental right of all consumers.
Source: Paraná Online
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This article was translated by an automatic translation system, and was therefore not reviewed by people.