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Improving your Serasa score is essential to gain credibility in the financial market. A high score opens doors to better interest rates, more accessible credit and advantageous credit card offers.
To do this, there are effective strategies that you can start implementing today. So, check out all the tips to increase your score below.
See more: See how to check PIS/Pasep online
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How to increase your Serasa score?
First of all, keeping your payments up to date is crucial. Delays and defaults are the main causes of low scores. In addition, keeping your registration data updated at Serasa shows that you are interested in maintaining your regular situation, positively impacting your score.
Serasa takes your behavior as a consumer into account, and balanced financial management can make a difference. Furthermore, keeping your data updated at Serasa is a simple but important step. The update can be done online, through the Serasa website or app. This simple gesture demonstrates proactivity and responsibility, characteristics valued by the market.
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Conscious use of credit can increase your score
Maintaining a good credit history does not mean not using your available credit, but rather using it wisely. This includes not committing more than 30% of your monthly income to debt and avoiding accumulating credit cards.
The more you demonstrate your ability to control your spending and honor your commitments, the more trust financial institutions will place in you, reflecting in an improvement in your score.
Diversify your credit history
Having a diverse credit history that includes different types of credit (such as mortgages, personal loans, and credit cards) can be beneficial. It shows that you are capable of managing different types of credit responsibly.
Improving your Serasa score doesn’t happen overnight. It requires discipline, financial planning, and patience. However, by following these tips and staying consistent in your efforts, you can see a significant improvement.
Remember that a high score is your passport to the best credit conditions on the market, making it easier to realize your dreams and projects.
Image: Agência Brasil
