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Could taking out a loan affect your Serasa score? Understand all the details about this issue!
The higher your Serasa score, the better the offers available will be. In light of this, it is common to wonder what happens to your score after taking out a loan. Could it be affected?
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The score determines the customer profile based on factors including payment history and CPF inquiries. Both can negatively affect your score.
In this regard, it is important that you do not make too many simulations for a loans because of the inquiry criterion. If you take out the service, it is essential to keep your payments up to date.
Read also: Bolsa Família: New loan options available through Caixa Tem
Learn how to keep your score reliable after taking out a loan
With a payroll-deductible loan, the system automatically deducts the installments from your paycheck, so there are no risks related to your payment history. However, with a personal loan, the deduction is no longer automatic.
For those who have a personal loan, it is common to occasionally forget to make installment payments. This situation can have negative consequences for their credit history, affecting their score.
To avoid such situations and ensure a positive payment history, an ideal measure is to authorize automatic debit of the installments directly through your digital account app. By adopting automatic debit, you authorize your financial institution to automatically collect the installments on their due date.
More tips to keep your score good
Read also: Restructuring of Bolsa Família? Understand the changes with the current MP
In addition to paying the loan installments, it is crucial to keep up to date with all your bills, such as credit card statements, utility bills, rent, etc.
Payment punctuality is one of the main factors when calculating your score. Analyze your monthly expenses and identify items to cut or reduce, such as subscriptions to rarely used services, impulse purchases, or unnecessary spending habits.
This will give you more resources available to deal with your debts or save. Make it a habit to regularly set aside part of your income in a savings account or another easily accessible investment.
In addition, it is essential to be careful not to commit more than 20% of your monthly income to debt payments. Finally, activating Serasa's Positive Registry can also help with this matter.
