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Is the name dirty? See what happens to those who enter the list of defaulters

06/12/2017

This article was translated by an automatic translation system, and was therefore not reviewed by people.

 

 

Staying with the dirty name prevents the consumer from getting new credits or will cause him to pay higher rates; Here's how to remove your name from the register.

By Lívia Torres, G1

12/06/2017 09h10 Updated 2 hours ago

 

When the consumer fails to pay an account, he runs the risk of having the name included in the record of defaulters. That is, in the SPC, SCPC or Serasa list.

But what does this mean in practice? This makes it unable to get new credits or pay much higher fees.

The decision to put your name on the record of defaults is by the creditor. That is, who should receive the account that was not paid. In general, companies try to negotiate with the customer first and give them a deadline to pay the bill. And then they send their name to the register of defaulters.

According to economist and professor of PUC-Rio Mauro Rochlin, the name still needs to be processed by the SPC or Serasa before appearing on the public debtors list.

"The system needs a deadline to process the information. It's not that you did not pay an account and will get into Serasa the next day," the professor explained.

And to clear the name?

The fastest way to clear your name is to pay the late bill. Under the Consumer Protection Code, the customer's name must be excluded from the debtor register within five business days after he has regularized his situation.

Even if the consumer does not pay the debt, the maximum term for a name to get dirty is five years. From then on, the name of the debtor must be removed from the register of defaulters even if it is still owed to the company that registered it.

That does not mean the consumer got rid of the debt he did not pay, explains Rochlin. It may still be charged by the lender in court.

And how do you know if it has a dirty name?

To find out if you have the dirty name on the square, you can consult your CPF on the websites of the institutions that own the registries of defaulters.

Source: G1

 

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This article was translated by an automatic translation system, and was therefore not reviewed by people.

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