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Increasing the Serasa score is a common concern among Brazilians, especially those who plan to apply for credit in the market. The Serasa score is a score that ranges from 0 to 1000 and indicates to the financial market whether or not a customer is a good payer.
In other words, a high score can mean better credit conditions, while a low score can make it difficult to get loans and financing approved.
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More details about the Serasa score
It is important to highlight that the Serasa score is determined based on the individual's financial behavior and is divided into four classification ranges: 0 to 300 (low), 301 to 500 (regular), 501 to 700 (good) and 701 to 1000 (excellent).
To check your score, you can access the Serasa, SPC, Boa Vista and Quod platforms. It is important to note that the score may vary depending on the methodology used by each company that performs the assessment.
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Tips to increase your score quickly
Here are some tips to increase your score:
- Pay your bills on time: late payments and defaults have a negative impact on your score.
- Keep your Positive Registration active: the Positive Registration records your history as a good payer;
- Do not cancel credit cards: canceling cards can negatively impact your score;
- Have a good relationship with companies: a good relationship with financial institutions can help increase your score;
- Diversify your credit sources: having different types of credit can be beneficial;
- Keep your Serasa registration up to date: updated information helps to keep your score high.
Difference in score between Serasa and Boa Vista
The Serasa score is different from Boa Vista because Serasa takes into account long-term financial history, while Boa Vista uses transactions made over a 5-year period. Therefore, it is important to maintain financial stability over time to maintain a good score on both platforms.
Therefore, increasing your score is a matter of maintaining good financial habits and understanding how the scoring system works. By following the tips mentioned and maintaining stable financial behavior, you can improve your score and access better credit conditions on the market.
Image: RDNE Stock project/Pexels
