Advertisements
On the last business day, Monday (14), Serasa introduced a new version of its Score with unprecedented features. Find out what has changed!
Serasa’s Score acts as a thermometer for the financial market, reflecting consumer reliability. This metric ranges from 0 to 1,000, with a high score suggesting a strong likelihood that the individual will honor their financial commitments in the coming year. Thus, the higher the score, the easier it is to obtain credit.
Advertisements
Therefore, at the beginning of this week, Monday (14), Serasa introduced an update to its Score, bringing a distinctive feature: consumers can now integrate banking information into their profile. In addition, Serasa told Estadão that it will add multiple pieces of information to the user’s Score. Learn more!
New elements in Serasa’s Score
Read also: Desenrola Brasil: Debt Renegotiations Anticipated by Major Retailers
Before this upgrade, Serasa’s Score primarily took into account credit history (positive credit registry), outstanding debts, and inquiries into the CPF, as well as the citizen’s financial development. With the update, the following information will be incorporated into the system:
- Monthly income;
- Account balance;
- Available credit limit;
- Financial investments;
- Bank transactions;
- Disbursements;
- Incoming money;
- Overdraft details.
Through these additions, Serasa aims to gain a broader view of consumers' financial habits, thereby improving the accuracy and structure of the credit score. The new feature is already available to all Brazilians, with the only requirement being to authorize bank integration via the Serasa website.
Score Optimization]
Read also: Learn everything about Values to Receive
According to Amanda Castro, who is responsible for Serasa Score, incorporating banking data can optimize companies' assessments when granting credit. Banks such as Banco do Brasil, Bradesco, Itaú, Nubank, Santander and Sicoob have already adopted this new feature.
However, Amanda Castro reiterates that integrating this data is optional and, depending on the consumer's financial management, it may be beneficial for increasing the score or, in some cases, reducing it.
