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On this last business day, Monday (14), Serasa presented a new version of Score with new features. Find out what has changed!
The Serasa Score acts as a thermometer for the financial market, reflecting consumer reliability. This metric ranges from 0 to 1,000, where a high score suggests a high probability that the individual will honor their financial commitments in the coming year. Therefore, the higher the score, the easier it is to obtain credit.
Therefore, earlier this week, on Monday (14), Serasa introduced a new Score, bringing a peculiarity: it is now possible for consumers to integrate banking information into their profile. In addition, Serasa informed Estadão that they will add multiple pieces of information to the user's Score. Find out more!
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New elements in the Serasa Score
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Before this upgrade, the Serasa Score primarily took into account the credit history (positive registration), existence of debts and CPF queries, as well as the financial development of the citizen. With the update, the following information will be incorporated into the system:
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- Monthly income;
- Account balance;
- Available credit limit;
- Financial applications;
- Bank transactions;
- Disbursements;
- Cash inflows;
- Overdraft details.
Through these additions, Serasa aims to obtain a broader view of consumers' financial habits, thus improving the accuracy and structure of the credit score. The new feature is already available to all Brazilians, and all that is required is to authorize the bank integration via the Serasa website.
Score Optimization]
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According to Amanda Castro, responsible for Serasa Score, the incorporation of banking data can optimize the assessment of corporations when granting credit. Banks such as Banco do Brasil, Bradesco, Itaú, Nubank, Santander and Sicoob have already adopted this new functionality.
However, Amanda Castro reiterates that the integration of this data is an option and, depending on the consumer's financial management, it can be beneficial to increase the score or, in some cases, decrease it.
