{"id":15131,"date":"2021-02-05T18:47:14","date_gmt":"2021-02-05T18:47:14","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=15131"},"modified":"2021-11-04T12:39:40","modified_gmt":"2021-11-04T12:39:40","slug":"descubra-como-funciona-o-serasa-score","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/cs\/descubra-como-funciona-o-serasa-score\/","title":{"rendered":"Zjist\u011bte, jak funguje Serasa Score"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Como funciona o Serasa Score?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" src=\"https:\/\/ucarecdn.com\/ce83baf2-c76f-428b-a685-1f189aace1db\/\" alt=\"Como funciona o Serasa Score\" class=\"w-full object-cover object-center border mx-auto wp-image-15267\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Como funciona o serasa score? (Imagem: Serasa)<\/figcaption><\/figure><\/div>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Na hora de fazer compras, estar bem diante do mercado financeiro, \u00e9 uma das maiores preocupa\u00e7\u00f5es dos consumidores, ent\u00e3o, \u201cme mostre o seu score, e eu te direi quem \u00e9s\u201d, n\u00e3o entendeu? N\u00e3o sabe como funciona o serasa score? Ent\u00e3o continue com a gente.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O sistema de an\u00e1lise de cr\u00e9dito, score serasa, \u00e9 usado para ajudar tanto os consumidores, quanto as empresas, nos neg\u00f3cios.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, vamos explicar para voc\u00ea para que serve o score de cr\u00e9dito, e outras informa\u00e7\u00f5es \u00fateis para entender como esse sistema funciona.<\/p>\n<\/div>\n<div class=\"wp-container-1 wp-block-group\"><div class=\"wp-block-group__inner-container\"><div class=\"wp-block-lazyblock-credit-card lazyblock-credit-card-2a5Y1x\"><section class=\"credit-card mx-5 sm:mx-0 text-gray-600 body-font  my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n  <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n    <div class=\"w-24 h-full\"><\/div>\n  <\/div>\n  <div class=\"container px-5 sm:px-0 py-6 mx-auto\" data-anchor-target=\"lazyBlock\">\n    <div class=\"flex flex-wrap mx-auto\">\n      <a class=\"lg:w-2\/5 w-full lg:pl-6 mt-6 lg:mt-0\" href=\"https:\/\/offers.senhorpanda.com\/score\/\" data-analytics-label=\"creditCardImage\" data-action=\"analytics#trackCTA\" >\n        <img class=\"w-full h-64 object-cover object-center rounded\" loading=\"lazy\" alt=\"card\" style=\"height: 190px;\" src=\"https:\/\/cdn.adtechpanda.com\/c36cf132-3db3-495c-92bc-84bc1e8a806c\/\">\n      <\/a>\n      <div class=\"lg:w-3\/5 w-full lg:pl-6 mt-6 lg:mt-0\">\n        <h2 class=\"text-sm title-font text-gray-500 tracking-widest uppercase\">\n          Ebook         <\/h2>\n        <h1 class=\"text-gray-900 text-3xl title-font font-medium mb-1\">\n          Guia M\u00e1ximo Score        <\/h1>\n        <div class=\"flex mb-4 justify-center sm:justify-start\">\n          \n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              Ebook online            <\/span>\n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              Garantia 7 dias            <\/span>\n                    \n        <\/div>\n        <p class=\"leading-relaxed\">\n          Guia onde \u00e9 revelado o processo que voc\u00ea deve executar para ter um Score Elevado.        <\/p>\n        <div class=\"flex mt-6 items-center pb-5 border-b-2 border-gray-100 mb-5\">\n          \n        <\/div>\n        <div class=\"flex\">\n          <a data-km2-rewarded=\"true\" style=\"font-size: 13px;\" class=\"hidden animate-fade-in flex m-auto sm:mr-0 sm:ml-auto\" rel=\"sponsored\" href=\"https:\/\/offers.senhorpanda.com\/score\/\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button class=\"uppercase flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-4 focus:outline-none rounded  disabled:opacity-50\">\n              Quero aumentar meu score            <\/button>\n          <\/a>\n          <a data-km2-rewarded=\"false\" style=\"font-size: 15px;\" class=\"flex m-auto sm:mr-0 sm:ml-auto\" rel=\"sponsored\" href=\"https:\/\/offers.senhorpanda.com\/score\/\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button id=\"offer-first\" class=\"flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-6 focus:outline-none rounded  disabled:opacity-50\">\n              Quero aumentar meu score            <\/button>\n          <\/a>\n        <\/div>\n        <p class=\"text-xs text-gray-500 mt-3 text-center sm:text-right\">\n          Budete p\u0159esm\u011brov\u00e1ni na jin\u00fd web        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n    <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/offers.senhorpanda.com\/score\/\" rel=\"sponsored\" data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/c36cf132-3db3-495c-92bc-84bc1e8a806c\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Guia onde \u00e9 revelado o processo que voc\u00ea deve executar par&#8230;              <\/p>\n              <a href=\"https:\/\/offers.senhorpanda.com\/score\/\" rel=\"sponsored\" data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Quero aumentar meu s&#8230;                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Budete p\u0159esm\u011brov\u00e1ni na jin\u00fd web              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n<\/section><\/div><\/div><\/div>\n<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>O que \u00e9 o Serasa score?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" src=\"https:\/\/ucarecdn.com\/1a41dbb6-bf69-439c-8a98-98a1252bd8f0\/\" alt=\"Serasa Score\" class=\"w-full object-cover object-center border mx-auto wp-image-15134\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Como funciona o score serasa? (Imagem: seu cr\u00e9dito digital)<\/figcaption><\/figure><\/div>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O Serasa score \u00e9 uma ferramenta que funciona como uma an\u00e1lise de concess\u00e3o de cr\u00e9dito e realiza\u00e7\u00e3o de neg\u00f3cios.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De origem inglesa, a palavra \u201cscore\u201d, significa pontua\u00e7\u00e3o, j\u00e1 a palavra \u201cscore de cr\u00e9dito\u201d \u00e9 um sistema atrav\u00e9s de pontos que indica se voc\u00ea \u00e9 um bom ou mal pagador.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, quanto menor for a pontua\u00e7\u00e3o do seu score, pior pagador voc\u00ea \u00e9, e quanto mais alta for a sua pontua\u00e7\u00e3o, melhor pagador voc\u00ea \u00e9.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Isso porque, atrav\u00e9s desse sistema, os consumidores recebem uma pontua\u00e7\u00e3o e assim, indicam uma maior ou menor confian\u00e7a para os bancos e empresas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mas como o Serasa tem acesso a esses dados? \u00c9 simples. Eles conseguem ter acesso aos dados, atrav\u00e9s de uma an\u00e1lise feita no seu CPF.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ou seja, quando voc\u00ea faz uma compra com seu cart\u00e3o de cr\u00e9dito ou de d\u00e9bito, quando voc\u00ea n\u00e3o paga uma conta de \u00e1gua, por exemplo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, atrav\u00e9s do n\u00famero do seu CPF, o Serasa ter\u00e1 acesso a suas movimenta\u00e7\u00f5es financeiras e banc\u00e1rias, e assim, saber\u00e1 se voc\u00ea \u00e9 uma pessoa que honra ou n\u00e3o seus compromissos.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Para que serve o score de cr\u00e9dito?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" src=\"https:\/\/ucarecdn.com\/e27cad36-c745-493f-917d-fcc19c640f25\/\" alt=\"Para que ser o Serasa Score?\" class=\"w-full object-cover object-center border mx-auto wp-image-15135\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Como funciona o score serasa? (Imagem: Serasa)<\/figcaption><\/figure><\/div>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Na hora de pedir dinheiro emprestado para o banco, por exemplo, aquele que ir\u00e1 fazer o empr\u00e9stimo precisa saber se voc\u00ea ser\u00e1 capaz de honrar suas d\u00edvidas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Isso porque, o score de cr\u00e9dito \u00e9 como se fosse uma nota que \u00e9 dada \u00e0 pessoa pelo hist\u00f3rico de pagamento de contas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, esse score ir\u00e1 fazer uma an\u00e1lise, para saber a probabilidade daquela pessoa pagar as contas em dia nos pr\u00f3ximos doze meses.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E lembre-se que, quanto maior for a pontua\u00e7\u00e3o, maiores ser\u00e3o as modalidades de cr\u00e9dito a sua disposi\u00e7\u00e3o, assim como, outras vantagens.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Como consigo acessar o meu score?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" src=\"https:\/\/ucarecdn.com\/3b194019-4a39-4ed9-934e-3ba41d1c5ce0\/\" alt=\"scoreserasa\" class=\"w-full object-cover object-center border mx-auto wp-image-15136\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Como funciona o score serasa? (Imagem: Serasa)<\/figcaption><\/figure><\/div>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Qualquer pessoa pode ter acesso ao seu score, basta acessar o site da Serasa, e seguir os pr\u00f3ximos passos. Veja:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ol><li>Acesse o site da Serasa;<\/li><li>Clique em \u201cConsultar CPF gr\u00e1tis\u201d;<\/li><li>Adicione o seu CPF;<\/li><li>Informe sua senha.<\/li><\/ol>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Observa\u00e7\u00e3o: Se n\u00e3o houver cadastro, basta preencher o cadastro com dados pessoais no pr\u00f3prio site, que \u00e9 bem simples.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Depois disso, voc\u00ea ter\u00e1 acesso ao n\u00famero do seu score, que poder\u00e1 variar como mostraremos adiante.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Outra curiosidade sobre essa quest\u00e3o, \u00e9 que voc\u00ea poder\u00e1 ver a sua pontua\u00e7\u00e3o, assim como, a pontua\u00e7\u00e3o m\u00e9dia das pessoas no seu CEP e idade.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Contudo, n\u00e3o d\u00e1 para ver o score de outra pessoa, apenas o seu, de acordo com os seus dados.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Quais informa\u00e7\u00f5es comp\u00f5em o Serasa score?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" src=\"https:\/\/ucarecdn.com\/8205d9d4-a01d-4d3d-b693-bf38c0840740\/\" alt=\"score serasa\" class=\"w-full object-cover object-center border mx-auto wp-image-15137\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Como funciona o score serasa? (Imagem: Serasa)<\/figcaption><\/figure><\/div>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O Serasa score \u00e9 composto pelos dados que sejam relevantes para an\u00e1lise de risco de cr\u00e9dito para os bancos e empresas em seus neg\u00f3cios.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, como mencionamos acima, se voc\u00ea vai pedir empr\u00e9stimo para uma financeira, por\u00e9m, est\u00e1 devendo outra, o serasa score mostrar\u00e1 essas informa\u00e7\u00f5es para a financeira atual, e certamente seu empr\u00e9stimo ser\u00e1 negado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ou seja, atrav\u00e9s desse sistema voc\u00ea encontra dados sobre d\u00edvidas quitadas, se voc\u00ea \u00e9 pontual, e se paga os boletos em dia, entre outros dados.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por\u00e9m, algumas informa\u00e7\u00f5es podem mudar, por exemplo, quando h\u00e1 altera\u00e7\u00f5es na base do Serasa como:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ol><li>Atualiza\u00e7\u00e3o de dados cadastrais: Nesse item, dados como CPF, endere\u00e7o, nome completo, podem ser alterados;<\/li><li>Entrada ou sa\u00edda da sua participa\u00e7\u00e3o na empresa: Nesse item, qualquer altera\u00e7\u00e3o jur\u00eddica tamb\u00e9m consta na base do Serasa;<\/li><li>Presen\u00e7a ou aus\u00eancia de consulta ao banco de dados da Serasa;<\/li><li>Presen\u00e7a ou aus\u00eancia de d\u00edvidas vencidas negativas.<\/li><\/ol>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Isso quer dizer que, quando h\u00e1 qualquer movimenta\u00e7\u00e3o financeira junto ao Serasa, a sua pontua\u00e7\u00e3o poder\u00e1 mudar, a depender dessa altera\u00e7\u00e3o.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>O que \u00e9 o Cadastro Positivo?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" src=\"https:\/\/ucarecdn.com\/cbfc9147-cf6d-4ac5-9f87-aa7eaf9e7e38\/\" alt=\"serasascore\" class=\"w-full object-cover object-center border mx-auto wp-image-15138\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Como funciona o score serasa? (Imagem: Serasa)<\/figcaption><\/figure><\/div>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O Cadastro Positivo, j\u00e1 \u00e9 utilizado h\u00e1 anos em v\u00e1rios pa\u00edses do mundo, como Estados Unidos, Canad\u00e1, China e Inglaterra.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>J\u00e1, no Brasil, ele foi criado em 2011 como \u201cBanco de dados de bons pagadores\u201d, e funciona como um hist\u00f3rico de comportamento financeiro.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nesse hist\u00f3rico, todas as movimenta\u00e7\u00f5es financeiras que fizer, ser\u00e3o cadastradas, sejam contas pagas ou contas n\u00e3o pagas ou pagas com atraso.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ou seja, o cadastro positivo \u00e9 uma excelente forma de ficar bem no mercado de cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, seu funcionamento se d\u00e1 da seguinte forma: seu hist\u00f3rico ser\u00e1 administrado pelos bir\u00f4s de cr\u00e9dito, que s\u00e3o:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ol><li>Obchody;<\/li><li>Com\u00e9rcio;<\/li><li>banky;<\/li><li>Outras institui\u00e7\u00f5es financeiras.<\/li><\/ol>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E, eles ir\u00e3o consultar os seus dados para gerar cr\u00e9dito, empr\u00e9stimos ou neg\u00f3cios.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00c9 importante dizer que, a inclus\u00e3o dos dados ocorre de forma autom\u00e1tica, e voc\u00ea ser\u00e1 notificado por e-mail ou sms para informar sobre o cadastro positivo, por\u00e9m, h\u00e1 a alternativa de se retirar do cadastro positivo.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>O que \u00e9 um bom score de cr\u00e9dito?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" src=\"https:\/\/ucarecdn.com\/8b6c5bb6-886e-4f97-a57c-6752adf84094\/\" alt=\"scoreserasa\" class=\"w-full object-cover object-center border mx-auto wp-image-15139\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Como funciona o score serasa? (Imagem: Foregon)<\/figcaption><\/figure><\/div>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>H\u00e1 tr\u00eas n\u00edveis de score, o n\u00edvel baixo, o n\u00edvel intermedi\u00e1rio, e o n\u00edvel alto, que \u00e9 considerado um bom score, como veremos:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, vamos l\u00e1, a pontua\u00e7\u00e3o do score vai de 0 at\u00e9 1.000, divididos em tr\u00eas n\u00edveis de acordo com a inadimpl\u00eancia, veja:<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3><strong>Acima de 701 pontos &#8211; Baixo risco de inadimpl\u00eancia<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" src=\"https:\/\/ucarecdn.com\/297654a6-5acf-40fe-b6df-cea7cc4fbd17\/\" alt=\"comofuncionaoserasascore\" class=\"w-full object-cover object-center border mx-auto wp-image-15290\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Como funciona o score Serasa? (Imagem: Simplypag)<\/figcaption><\/figure><\/div>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Esse n\u00edvel \u00e9 o mais bem quisto pelos bancos e financeiras, pois, indica que o cliente apresenta baixo risco de inadimpl\u00eancia.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ou seja, as chances desse cliente n\u00e3o efetuar os pagamentos \u00e0 institui\u00e7\u00e3o s\u00e3o menores, do que de um cliente com uma pontua\u00e7\u00e3o menor.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, para sair dessa situa\u00e7\u00e3o de mal pagador, basta seguir os passos que iremos mencionar adiante, e aumentar suas chances de empr\u00e9stimos.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3><strong>Entre 300 e 700 pontos&nbsp; &#8211; M\u00e9dio risco de inadimpl\u00eancia<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" src=\"https:\/\/ucarecdn.com\/86c35ab3-f902-4716-9a64-d3f66449b6bd\/\" alt=\"comofuncionaoserasascore\" class=\"w-full object-cover object-center border mx-auto wp-image-15284\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Como funciona o score Serasa? (Imagem: Roraima)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Esse n\u00edvel \u00e9 considerado o intermedi\u00e1rio, ou seja, indica que o cliente paga as contas, mas talvez atrasa um pouco, ou, deixa algumas sem pagar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nesse caso, o cliente n\u00e3o \u00e9 um cliente bom pagador, mas, tamb\u00e9m n\u00e3o \u00e9 t\u00e3o ruim assim, entendeu?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>H\u00e1 empresas que aceitam ceder empr\u00e9stimos e fazer neg\u00f3cios com pessoas que estejam em n\u00edvel intermedi\u00e1rio.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3><strong>Abaixo de 300 pontos&nbsp; &#8211; Alto risco de inadimpl\u00eancia&nbsp;<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" src=\"https:\/\/ucarecdn.com\/06f09a93-3e27-4ad0-8c08-c41506ab4986\/\" alt=\"comofuncionaoserasascore\" class=\"w-full object-cover object-center border mx-auto wp-image-15295\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Como funciona o score Serasa? (Imagem: Uol)<\/figcaption><\/figure><\/div>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nesse n\u00edvel, infelizmente, a maioria dos clientes n\u00e3o conseguem empr\u00e9stimos junto aos bancos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Isso porque, o alto risco de inadimpl\u00eancia \u201csuja\u201d a imagem dessas pessoas diante das financeiras, sendo consideradas pessoas que n\u00e3o honram seus compromissos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para tanto, os valores considerados s\u00e3o todas as movimenta\u00e7\u00f5es financeiras, sejam as quitadas ou n\u00e3o quitadas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Contudo, n\u00e3o \u00e9 preciso ter medo, pois, independente da pontua\u00e7\u00e3o que voc\u00ea esteja, d\u00e1 para resolver o score.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, um score considerado bom \u00e9 aquele acima de 701 pontos, que apresenta baixo risco de inadimpl\u00eancia, e assim, mais vantagens.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entre essas vantagens temos: maiores chances de conseguir empr\u00e9stimos e financiamentos, negocia\u00e7\u00e3o de juros, entre outros.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>O que faz o Serasa Score subir?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" src=\"https:\/\/ucarecdn.com\/454e5f29-f90e-4ac3-934f-2408143784b4\/\" alt=\"scoreserasa\" class=\"w-full object-cover object-center border mx-auto wp-image-15140\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Como funciona o score serasa? (Imagem: Serasa)<\/figcaption><\/figure><\/div>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O score Serasa \u00e9 calculado de forma din\u00e2mica, ou seja, considerando os dados que est\u00e3o \u00e0 disposi\u00e7\u00e3o no momento da consulta.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Como j\u00e1 mencionamos, \u00e9 importante manter o score com uma pontua\u00e7\u00e3o para baixo risco de inadimpl\u00eancia, para conseguir, por exemplo, solicitar cart\u00e3o de cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, se no momento da consulta, voc\u00ea percebeu que o seu score est\u00e1 baixo ou no n\u00edvel intermedi\u00e1rio, e precisa aument\u00e1-lo, n\u00e3o se preocupe, vamos citar seis formas para ajud\u00e1-lo nisso:<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Limpe seu nome e negocie suas d\u00edvidas&nbsp;<\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" src=\"https:\/\/ucarecdn.com\/a13927f9-8eed-43c6-9efc-71db46fdc377\/\" alt=\"comofuncionaoscoreserasa\" class=\"w-full object-cover object-center border mx-auto wp-image-15274\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Como funciona o score Serasa? (Imagem: Infovarejo)<\/figcaption><\/figure><\/div>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Isso porque, se voc\u00ea est\u00e1 com d\u00edvidas ou pend\u00eancias no seu CPF, seu score vai se manter baixo, justamente por voc\u00ea estar devendo algu\u00e9m.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m do mais, isso demonstra um sinal vermelho para as outras financeiras de que voc\u00ea n\u00e3o honra seus compromissos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para isso, participe de feiras de \u201cLimpa nome\u201d, ou, tente negociar diretamente com as financeiras, que costumam oferecer descontos para isso.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Outro ponto, as ag\u00eancias de cr\u00e9dito, buscam dados dos consumidores de at\u00e9 cinco anos, ent\u00e3o n\u00e3o s\u00e3o apenas dados recentes para fazer a consulta score serasa.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Atualizar dados cadastrais<\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" src=\"https:\/\/ucarecdn.com\/110b4bbc-fd4e-407a-942c-0ea58b8b5e52\/\" alt=\"comofuncionaoscoreserasa\" class=\"w-full object-cover object-center border mx-auto wp-image-15275\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Como funciona o score Serasa? (Imagem: recrutabahia)<\/figcaption><\/figure><\/div>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Isso porque, quando voc\u00ea atualiza os dados cadastrais, demonstra que n\u00e3o est\u00e1 fugindo dos seus compromissos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, est\u00e1 apto para receber cobran\u00e7as tamb\u00e9m, assim como, qualquer notifica\u00e7\u00e3o de ag\u00eancia de cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, ir\u00e1 demonstrar um ponto positivo, de que est\u00e1 a disposi\u00e7\u00e3o para as empresas, e isso, ajuda a aumentar o score.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Passe as contas para o seu nome<\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" src=\"https:\/\/ucarecdn.com\/c37d80fb-cb81-417c-ac8c-2b213bea680e\/\" alt=\"comofuncionaoscoreserasa\" class=\"w-full object-cover object-center border mx-auto wp-image-15287\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Como funciona o score Serasa? (Imagem: codemoney)<\/figcaption><\/figure><\/div>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Isso porque, sempre que se passa uma conta para o pr\u00f3prio nome, mais dados s\u00e3o repassados para as ag\u00eancias de cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ou seja, se todas as contas estiverem em nomes de outras pessoas, os bir\u00f4s n\u00e3o ter\u00e3o acesso aos dados do consumidor.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, quanto maiores as formas de contato, maiores as chances de demonstrar confiabilidade entre o consumidor e a ag\u00eancia.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Platit \u00fa\u010dty v\u010das<\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" src=\"https:\/\/ucarecdn.com\/7a494df9-e7eb-498e-ba1a-232e702e5433\/\" alt=\"comofuncionaoscoreserasa\" class=\"w-full object-cover object-center border mx-auto wp-image-15283\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Como funciona o score Serasa? (Imagem: Investnews)<\/figcaption><\/figure><\/div>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>H\u00e1 um mito de que se voc\u00ea paga suas d\u00edvidas antecipadamente, seu score aumenta, isso \u00e9 mentira.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Na verdade, para o score aumentar, as d\u00edvidas precisam ser pagas em dia, apenas isso, n\u00e3o precisa fazer grandes milagres.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ou seja, se o pagamento atrasar um \u00fanico dia, j\u00e1 ser\u00e1 um sinal vermelho para os bir\u00f4s de cr\u00e9dito, como Serasa, Boa Vista e SCPC.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Fique no Cadastro positivo<\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" src=\"https:\/\/ucarecdn.com\/78ef948a-9df1-48e1-b3d3-89591dc5eb65\/\" alt=\"comofuncionaoscoreserasa\" class=\"w-full object-cover object-center border mx-auto wp-image-15288\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Como funciona o score Serasa? (Imagem: Foregon)<\/figcaption><\/figure><\/div>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Como j\u00e1 mencionamos, o cadastro positivo antes era algo em que o usu\u00e1rio precisava se cadastrar, atualmente, ele \u00e9 autom\u00e1tico.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O Cadastro positivo funciona como um registro em que voc\u00ea autoriza que os bir\u00f4s de cr\u00e9dito analisem suas movimenta\u00e7\u00f5es financeiras, e o quanto voc\u00ea faz de pagamentos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, para os bancos e financeiras seu status estar\u00e1 mais detalhado, se voc\u00ea \u00e9 ou n\u00e3o \u00e9 um bom pagador.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ou seja, a dica \u00e9 manter-se no cadastro positivo, para que os bir\u00f4s estejam a par de suas movimenta\u00e7\u00f5es financeiras<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>N\u00e3o fazer pedidos de cr\u00e9dito<\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" src=\"https:\/\/ucarecdn.com\/d4d9ac13-a10b-46f1-b375-a7bb20209226\/\" alt=\"comofuncionaoscoreserasa\" class=\"w-full object-cover object-center border mx-auto wp-image-15286\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Como funciona o score Serasa? (Imagem: Izette)<\/figcaption><\/figure><\/div>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nesse t\u00f3pico, temos um alerta que poucos consumidores sabem sobre como funciona o serasa score: evitar pedir cr\u00e9dito para bancos diferentes em um curto espa\u00e7o de tempo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Isso porque, quanto mais cr\u00e9dito voc\u00ea pedir, mais ir\u00e1 demonstrar que voc\u00ea est\u00e1 precisando de dinheiro, e isso pode reduzir o seu score.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Assim, se estiver precisando de cr\u00e9dito, opte por apenas uma institui\u00e7\u00e3o financeira, ou, aguarde determinado per\u00edodo para buscar uma segunda op\u00e7\u00e3o,, para que seu score n\u00e3o sofra grandes altera\u00e7\u00f5es.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, se voc\u00ea quiser todas essas dicas, seu score poder\u00e1 aumentar de maneira gradativa, pois ele n\u00e3o aumenta no momento da altera\u00e7\u00e3o realizada.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Lembre-se que o score n\u00e3o funciona apenas com as contas quitadas, mas tamb\u00e9m com as contas que s\u00e3o pagas na data certa.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2><strong>Qual um bom Serasa Score para financiamento, empr\u00e9stimo e cart\u00e3o de cr\u00e9dito?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" src=\"https:\/\/ucarecdn.com\/079f17bb-08d8-4e77-bb5f-0cee949d3ddc\/\" alt=\"serasascore\" class=\"w-full object-cover object-center border mx-auto wp-image-15141\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Como funciona o score serasa? (Imagem: movingimoveis)<\/figcaption><\/figure><\/div>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para responder essa pergunta, precisamos entender que DEPENDE!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Isso porque, ir\u00e1 depender de cada institui\u00e7\u00e3o financeira, sendo uma an\u00e1lise subjetiva de cr\u00e9dito, desde que esteja em um n\u00edvel considerado baixo ou m\u00e9dio de inadimpl\u00eancia.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ent\u00e3o, cada empresa ter\u00e1 seu pr\u00f3prio crit\u00e9rio, assim como, formas de analisar os cr\u00e9ditos de cada pessoa, desde que n\u00e3o ofere\u00e7a riscos aquela empresa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ou seja, uma empresa pode conceder cr\u00e9dito para uma pessoa com risco baixo de inadimpl\u00eancia, contudo, a outra pode recusar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para saber, \u00e9 preciso conhecer as pol\u00edticas de funcionamento de cada empresa, assim como, sua forma de analisar a sa\u00fade financeira daquela pessoa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E, por exemplo, uma empresa pode analisar e perceber que h\u00e1 uma d\u00edvida em atraso daquele consumidor, por\u00e9m, as outras est\u00e3o pagas, ent\u00e3o a d\u00edvida em atraso ser\u00e1 considerada uma exce\u00e7\u00e3o, o empr\u00e9stimo poder\u00e1 ser concedido.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por fim, podemos perceber que o score \u00e9 uma ferramenta que traz seguran\u00e7a e agilidade para os consumidores, assim como, para as empresas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>E se voc\u00ea deseja aumentar seu score, confira o ebook abaixo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00d3&nbsp;<strong>Guia M\u00e1ximo Score<\/strong>&nbsp;\u00e9 um passo a passo detalhado criado por um dos melhores especialistas em an\u00e1lise de cr\u00e9dito de grandes bancos e que vai orientar voc\u00ea a conseguir aumentar o seu score e poder voltar a ter cr\u00e9dito como sempre quis.<\/p>\n<\/div>\n<div class=\"wp-container-2 wp-block-group\"><div class=\"wp-block-group__inner-container\"><div class=\"wp-block-lazyblock-credit-card lazyblock-credit-card-2a5Y1x\"><section class=\"credit-card mx-5 sm:mx-0 text-gray-600 body-font  my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n  <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n    <div class=\"w-24 h-full\"><\/div>\n  <\/div>\n  <div class=\"container px-5 sm:px-0 py-6 mx-auto\" data-anchor-target=\"lazyBlock\">\n    <div class=\"flex flex-wrap mx-auto\">\n      <a class=\"lg:w-2\/5 w-full lg:pl-6 mt-6 lg:mt-0\" href=\"https:\/\/offers.senhorpanda.com\/score\/\" data-analytics-label=\"creditCardImage\" data-action=\"analytics#trackCTA\" >\n        <img class=\"w-full h-64 object-cover object-center rounded\" loading=\"lazy\" alt=\"card\" style=\"height: 190px;\" src=\"https:\/\/cdn.adtechpanda.com\/c36cf132-3db3-495c-92bc-84bc1e8a806c\/\">\n      <\/a>\n      <div class=\"lg:w-3\/5 w-full lg:pl-6 mt-6 lg:mt-0\">\n        <h2 class=\"text-sm title-font text-gray-500 tracking-widest uppercase\">\n          Ebook         <\/h2>\n        <h1 class=\"text-gray-900 text-3xl title-font font-medium mb-1\">\n          Guia M\u00e1ximo Score        <\/h1>\n        <div class=\"flex mb-4 justify-center sm:justify-start\">\n          \n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              Ebook online            <\/span>\n                      <span class=\"inline-block py-1 px-2 rounded text-xs font-medium tracking-widest uppercase mr-2\">\n              Garantia 7 dias            <\/span>\n                    \n        <\/div>\n        <p class=\"leading-relaxed\">\n          Guia onde \u00e9 revelado o processo que voc\u00ea deve executar para ter um Score Elevado.        <\/p>\n        <div class=\"flex mt-6 items-center pb-5 border-b-2 border-gray-100 mb-5\">\n          \n        <\/div>\n        <div class=\"flex\">\n          <a data-km2-rewarded=\"true\" style=\"font-size: 13px;\" class=\"hidden animate-fade-in flex m-auto sm:mr-0 sm:ml-auto\" rel=\"sponsored\" href=\"https:\/\/offers.senhorpanda.com\/score\/\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button class=\"uppercase flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-4 focus:outline-none rounded  disabled:opacity-50\">\n              Quero aumentar meu score            <\/button>\n          <\/a>\n          <a data-km2-rewarded=\"false\" style=\"font-size: 15px;\" class=\"flex m-auto sm:mr-0 sm:ml-auto\" rel=\"sponsored\" href=\"https:\/\/offers.senhorpanda.com\/score\/\" data-analytics-label=\"creditCardButton\" data-action=\"analytics#trackCTA\"  >\n            <button id=\"offer-first\" class=\"flex m-auto sm:mr-0 sm:ml-auto border-0 py-2 px-6 focus:outline-none rounded  disabled:opacity-50\">\n              Quero aumentar meu score            <\/button>\n          <\/a>\n        <\/div>\n        <p class=\"text-xs text-gray-500 mt-3 text-center sm:text-right\">\n          Budete p\u0159esm\u011brov\u00e1ni na jin\u00fd web        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n\n    <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if 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setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/offers.senhorpanda.com\/score\/\" rel=\"sponsored\" data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/c36cf132-3db3-495c-92bc-84bc1e8a806c\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Guia onde \u00e9 revelado o processo que voc\u00ea deve executar par&#8230;              <\/p>\n              <a href=\"https:\/\/offers.senhorpanda.com\/score\/\" rel=\"sponsored\" data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Quero aumentar meu s&#8230;                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Budete p\u0159esm\u011brov\u00e1ni na jin\u00fd web              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n<\/section><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Chcete m\u00edt v\u011bt\u0161\u00ed p\u0159\u00edstup k \u00fav\u011brov\u00fdm produkt\u016fm na trhu? Tak\u017ee mus\u00edte pochopit, jak Serasa Score funguje a jak je zv\u00fd\u0161it. V\u00edce se dozv\u00edte v textu n\u00ed\u017ee!<\/p>","protected":false},"author":32,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[29,38],"tags":[47,48,49,50],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Descubra como funciona o Serasa Score - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Vamos te ensinar como funciona o Serasa Score, e outras informa\u00e7\u00f5es para que voc\u00ea entenda melhor sobre essa ferramenta e consiga aumentar o seu\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/senhorpanda.com\/cs\/descubra-como-funciona-o-serasa-score\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Descubra como funciona o Serasa Score\" \/>\n<meta property=\"og:description\" content=\"Vamos te ensinar como funciona o Serasa Score, e outras informa\u00e7\u00f5es para que voc\u00ea entenda melhor sobre essa ferramenta e consiga aumentar o seu\" \/>\n<meta property=\"og:url\" content=\"https:\/\/senhorpanda.com\/cs\/descubra-como-funciona-o-serasa-score\/\" \/>\n<meta property=\"og:site_name\" content=\"Senhor Panda\" \/>\n<meta property=\"article:published_time\" content=\"2021-02-05T18:47:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-11-04T12:39:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ucarecdn.com\/ce83baf2-c76f-428b-a685-1f189aace1db\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Joyce Viana\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/senhorpanda.com\/#website\",\"url\":\"https:\/\/senhorpanda.com\/\",\"name\":\"Senhor Panda\",\"description\":\"Combatendo a pregui\u00e7a e as p\u00e9ssimas decis\u00f5es financeiras, um bambu por vez \ud83c\udf8b\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/senhorpanda.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"cs-CZ\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"cs-CZ\",\"@id\":\"https:\/\/senhorpanda.com\/descubra-como-funciona-o-serasa-score\/#primaryimage\",\"url\":\"https:\/\/cdn.adtechpanda.com\/ce83baf2-c76f-428b-a685-1f189aace1db\/\",\"contentUrl\":\"https:\/\/cdn.adtechpanda.com\/ce83baf2-c76f-428b-a685-1f189aace1db\/\",\"width\":1200,\"height\":1200,\"caption\":\"Como funciona o serasa score? 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