{"id":18721,"date":"2021-03-15T12:51:13","date_gmt":"2021-03-15T12:51:13","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=18721"},"modified":"2021-03-15T12:51:17","modified_gmt":"2021-03-15T12:51:17","slug":"4-mentiras-que-te-contam-sobre-o-score-de-credito","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/cs\/4-mentiras-que-te-contam-sobre-o-score-de-credito\/","title":{"rendered":"4 l\u017ei, kter\u00e9 v\u00e1m \u0159\u00edkaj\u00ed o va\u0161em kreditn\u00edm sk\u00f3re"},"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 id=\"0-desmistifique-o-score-de-cr%C3%A9dito-\"><strong>Demystifikujte sv\u00e9 kreditn\u00ed sk\u00f3re<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Desmistifique o score de cr\u00e9dito (Imagem: Portal Cont\u00e1beis)\"  id=\"18726\" src=\"https:\/\/ucarecdn.com\/4c4f3571-9661-4c56-afac-6efec2d9b07f\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Demystifikujte kreditn\u00ed sk\u00f3re (Obr\u00e1zek: Portal Cont\u00e1beis)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Va\u0161e kreditn\u00ed sk\u00f3re je d\u016fvodem, pro\u010d jste odm\u00edtnuti p\u0159i \u017e\u00e1dosti o p\u016fj\u010dku nebo kreditn\u00ed kartu. Koneckonc\u016f, to v\u0161e souvis\u00ed s va\u0161\u00ed platebn\u00ed histori\u00ed.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>To se m\u016f\u017ee st\u00e1t, proto\u017ee spole\u010dnost m\u00e1 p\u0159\u00edstup k va\u0161\u00ed historii n\u00e1kup\u016f. Pokud tedy existuje n\u011bjak\u00fd nesplacen\u00fd dluh, kdo v\u00e1m zaru\u010d\u00ed, \u017ee neud\u011bl\u00e1te tot\u00e9\u017e se spole\u010dnost\u00ed, od kter\u00e9 \u017e\u00e1d\u00e1te o \u00fav\u011br?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Co se stane, je, \u017ee pokud dluh nezaplat\u00edte, pravd\u011bpodobn\u011b to skon\u010d\u00ed u agentur pro ochranu \u00fav\u011bru, jako je Serasa nebo SPC. To zp\u016fsob\u00ed, \u017ee va\u0161e kreditn\u00ed sk\u00f3re prudce klesne a vy se stanete \u0161patn\u011b hodnocen\u00fdmi finan\u010dn\u00edmi institucemi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Kdy\u017e jsme zoufal\u00ed, chceme ud\u011blat v\u0161e pro to, abychom zv\u00fd\u0161ili sv\u00e9 sk\u00f3re a z\u00edskali dlouho o\u010dek\u00e1van\u00fd kredit, ale n\u011bkdy to nen\u00ed \u017e\u00e1dn\u00fd v\u00fdsledek. Pokud nevid\u00edte zm\u011bny ve sv\u00e9m kreditn\u00edm sk\u00f3re, mo\u017en\u00e1 vyv\u00edj\u00edte n\u011bjak\u00e9 marn\u00e9 \u00fasil\u00ed. Proto v\u00e1m dnes uk\u00e1\u017eeme 4 l\u017ei, kter\u00e9 v\u00e1m \u0159\u00edkaj\u00ed o tom, jak zv\u00fd\u0161it sv\u00e9 kreditn\u00ed sk\u00f3re.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pokud se tedy va\u0161e sk\u00f3re zasekne a nev\u00edte, co je\u0161t\u011b ud\u011blat, abyste sk\u00f3re zv\u00fd\u0161ili, z\u016fsta\u0148te s n\u00e1mi. No, krom\u011b toho, \u017ee budete v\u011bd\u011bt, co d\u011bl\u00e1te \u0161patn\u011b, dnes zjist\u00edte ty nejlep\u0161\u00ed tipy, jak efektivn\u011b a bez komplikac\u00ed zv\u00fd\u0161it sk\u00f3re.<\/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 id=\"1-o-que-%C3%A9-score-de-cr%C3%A9dito-\"><strong>Co je to kreditn\u00ed sk\u00f3re?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"O que \u00e9 score de cr\u00e9dito? (Imagem: Seu cr\u00e9dito digital)\"  id=\"18727\" src=\"https:\/\/ucarecdn.com\/9ce03391-3439-408b-b0c9-8cbb920fd468\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Co je to kreditn\u00ed sk\u00f3re? (Obr\u00e1zek: V\u00e1\u0161 digit\u00e1ln\u00ed kredit)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Va\u0161e kreditn\u00ed sk\u00f3re je sk\u00f3re, kter\u00e9 definuje va\u0161i historii jako pl\u00e1tce dobr\u00e9ho nebo \u0161patn\u00e9ho dluhu. Tak\u00e9 zn\u00e1m\u00fd jako Serasa Score je hlavn\u00edm n\u00e1strojem pou\u017e\u00edvan\u00fdm bankami a finan\u010dn\u00edmi institucemi k posouzen\u00ed rizika poskytnut\u00ed \u00fav\u011bru konkr\u00e9tn\u00edmu klientovi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Kdy\u017e dlouho odkl\u00e1d\u00e1te platbu, \u010dek\u00e1te na vypr\u0161en\u00ed dluhu nebo m\u00e1te \u0161patn\u00e9 jm\u00e9no u SPC nebo Serasa, va\u0161e kreditn\u00ed sk\u00f3re se sni\u017euje. Proto se m\u016f\u017ee st\u00e1t, \u017ee kdy\u017e \u017e\u00e1d\u00e1te o p\u016fj\u010dku, kreditn\u00ed kartu, financov\u00e1n\u00ed, v\u00fdplatn\u00ed p\u00e1sku, mikro\u00fav\u011br nebo jak\u00fdkoli bankovn\u00ed produkt, v\u00e1\u0161 po\u017eadavek nebude akceptov\u00e1n.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Va\u0161e sk\u00f3re v\u00e1m m\u016f\u017ee bu\u010f u\u0161kodit, kdy\u017e va\u0161e \u017e\u00e1dost o \u00fav\u011br nebude schv\u00e1lena, nebo v\u00e1m pomoci t\u00edm, \u017ee budete st\u00e1le v\u00edce navy\u0161ovat \u00fav\u011brov\u00fd limit, kter\u00fd v\u00e1m banka poskytne. T\u00edmto zp\u016fsobem se ujist\u011bte, \u017ee plat\u00edte sv\u00e9 dluhy v\u010das.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00dav\u011brov\u00e9 sk\u00f3re se pohybuje mezi 0 a 1 000 body, a \u010d\u00edm vy\u0161\u0161\u00ed je, t\u00edm l\u00e9pe v\u00e1s bude trh vn\u00edmat jako dobr\u00e9ho pl\u00e1tce a s v\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed dodr\u017e\u00edte sv\u00e9 finan\u010dn\u00ed z\u00e1vazky.<\/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 id=\"2-como-consultar-o-seu-score-de-cr%C3%A9dito-\"><strong>Jak zkontrolovat sv\u00e9 kreditn\u00ed sk\u00f3re?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como consultar o seu score de cr\u00e9dito? (Imagem: Pemavel)\"  id=\"18728\" src=\"https:\/\/ucarecdn.com\/b7f94cbc-0e58-41e5-8a01-1d2bf681924b\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Jak zkontrolovat sv\u00e9 kreditn\u00ed sk\u00f3re? (Obr\u00e1zek: Pemavel)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Kontrola kreditn\u00edho sk\u00f3re je prvn\u00edm krokem k tomu, abyste za\u010dali m\u011bnit svou finan\u010dn\u00ed situaci. Kdy\u017e zn\u00e1te sv\u00e9 sk\u00f3re, m\u016f\u017eete za\u010d\u00edt s \u00fasil\u00edm dostat se z \u010derven\u00fdch \u010d\u00edsel.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pokud jste mezi 0 a 399 body, znamen\u00e1 to, \u017ee v\u00e1m hroz\u00ed, \u017ee budete v prodlen\u00ed. Ty mezi 400 a 599 body maj\u00ed st\u0159edn\u00ed riziko. Pokud je v\u0161ak va\u0161e sk\u00f3re mezi t\u011bmito rozsahy, je nepravd\u011bpodobn\u00e9, \u017ee v\u00e1m bude ud\u011blen kredit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nyn\u00ed jsou body pova\u017eovan\u00e9 za dobr\u00e9: ti, kte\u0159\u00ed maj\u00ed mezi 600 a 799 body, p\u0159edstavuj\u00ed v pr\u016fm\u011bru 7 z ka\u017ed\u00fdch 10 Brazilc\u016f, kte\u0159\u00ed plat\u00ed sv\u00e9 \u00fa\u010dty v\u010das. T\u00edmto zp\u016fsobem m\u016f\u017ee b\u00fdt snaz\u0161\u00ed z\u00edskat \u00fav\u011br.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ti, kte\u0159\u00ed maj\u00ed mezi 800 a 1 000 body, p\u0159edstavuj\u00ed 9 z 10 lid\u00ed, kte\u0159\u00ed plat\u00ed sv\u00e9 \u00fa\u010dty v\u010das. Proto je ka\u017ed\u00fd v tomto rozmez\u00ed pova\u017eov\u00e1n za n\u011bkoho, kdo m\u00e1 n\u00edzk\u00e9 riziko nespl\u00e1cen\u00ed.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A abyste si zkontrolovali sv\u00e9 kreditn\u00ed sk\u00f3re, budete muset prov\u00e9st n\u011bkolik krok\u016f, nezapome\u0148te, \u017ee za konzultaci nic neplat\u00edte, tak\u017ee v\u011bnujte pozornost sv\u00e9mu sk\u00f3re a sna\u017ete se ho udr\u017eet co nejvy\u0161\u0161\u00ed.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>1. P\u0159ejd\u011bte na webovou str\u00e1nku Serasa Score<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>2. Klikn\u011bte na tla\u010d\u00edtko \u201echeck my free score\u201c.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>3. Zadejte sv\u016fj e-mail a heslo registrovan\u00e9 na webu Serasa Consumidor. Pokud v\u0161ak nejste registrov\u00e1ni, klikn\u011bte na \u201eregistrovat\u201c a zaregistrujte se.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>4. Po p\u0159ihl\u00e1\u0161en\u00ed budete p\u0159esm\u011brov\u00e1ni na sv\u00e9 sk\u00f3re. Je tak\u00e9 mo\u017en\u00e9 vid\u011bt v\u00e1\u0161 stav u Feder\u00e1ln\u00edho da\u0148ov\u00e9ho \u00fa\u0159adu a konzultovat va\u0161e CPF.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>N\u00ed\u017ee si uk\u00e1\u017eeme, jak kreditn\u00ed sk\u00f3re funguje v praxi, tak\u017ee p\u0159i poradenstv\u00ed nedoch\u00e1z\u00ed k \u017e\u00e1dn\u00fdm komplikac\u00edm nebo nepochopen\u00ed.<\/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 id=\"3-como-funciona-o-score-de-cr%C3%A9dito-na-pr%C3%A1tica-\"><strong>Jak funguje kreditn\u00ed sk\u00f3re v praxi?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como funciona o score de cr\u00e9dito na pr\u00e1tica? (Imagem: Di\u00e1rio Prime)\"  id=\"18729\" src=\"https:\/\/ucarecdn.com\/08cffd6b-c3f5-4efb-baa1-55df543981eb\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Jak funguje kreditn\u00ed sk\u00f3re v praxi? (Obr\u00e1zek: Prime Diary)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>P\u0159i \u017e\u00e1dosti o p\u016fj\u010dku v bance p\u0159edpokl\u00e1dejme, \u017ee m\u00e1te sazbu 6% m\u011bs\u00ed\u010dn\u011b. Nicm\u00e9n\u011b v\u00e1\u0161 p\u0159\u00edtel, kter\u00fd m\u00e1 mimochodem velmi podobn\u00fd finan\u010dn\u00ed \u017eivot jako vy, dostane stejnou p\u016fj\u010dku od stejn\u00e9 instituce jako vy, za sazbu 3% m\u011bs\u00ed\u010dn\u011b. V\u00edte, pro\u010d se to d\u011bje?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Zaprv\u00e9 je to zp\u016fsobeno t\u00edm, \u017ee v\u00e1\u0161 p\u0159\u00edtel m\u00e1 ni\u017e\u0161\u00ed riziko selh\u00e1n\u00ed ne\u017e vy. Kdy\u017e tedy spole\u010dnost analyzuje va\u0161e kreditn\u00ed sk\u00f3re, zjist\u00ed, zda m\u00e1te dluhy, nesplacen\u00e9 dluhy, analyzuje va\u0161i historii spl\u00e1cen\u00ed dluh\u016f za posledn\u00edch 6 m\u011bs\u00edc\u016f, dotazy na v\u00e1\u0161 CPF a r\u016fzn\u00e9 d\u016fle\u017eit\u00e9 informace.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pokud tedy dojde k nesrovnalostem, mal\u00e9mu finan\u010dn\u00edmu pohybu a hromad\u00ed se dluhy, spole\u010dnosti v\u00e1m pravd\u011bpodobn\u011b nebudou cht\u00edt poskytnout p\u0159\u00edjemn\u011bj\u0161\u00ed sazby.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00dav\u011brov\u00e9 sk\u00f3re obsahuje mnoho informac\u00ed o va\u0161em finan\u010dn\u00edm \u017eivot\u011b, v\u010detn\u011b:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Finan\u010dn\u00ed historie<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Z\u00e1vazek k \u00fav\u011bru<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Konzultace va\u0161\u00edm jm\u00e9nem<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>V\u00fdvoj va\u0161eho finan\u010dn\u00edho zdrav\u00ed<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Platba kreditem<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Doba vyu\u017eit\u00ed kreditu<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>V\u0161echny tyto informace generuj\u00ed profil, kter\u00fd odpov\u00edd\u00e1 va\u0161im spot\u0159ebn\u00edm zvyklostem. Spole\u010dnost tak bude v\u011bd\u011bt, zda je bezpe\u010dn\u00e9 v\u00e1m p\u0159i \u017e\u00e1dosti o p\u016fj\u010dku poskytnout vy\u0161\u0161\u00ed \u00fav\u011br nebo sn\u00ed\u017eit \u00farokov\u00e9 sazby.<\/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 id=\"4-quem-pode-consultar-a-sua-pontua%C3%A7%C3%A3o-\"><strong>Kdo m\u016f\u017ee zkontrolovat va\u0161e sk\u00f3re?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Quem pode consultar a sua pontua\u00e7\u00e3o (Imagem: Serasa)\"  id=\"18733\" src=\"https:\/\/ucarecdn.com\/f4ecb9a5-524e-4a0e-9b5b-468623b196cf\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Kdo m\u016f\u017ee zkontrolovat va\u0161e sk\u00f3re (Obr\u00e1zek: Serasa)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mnoho spole\u010dnost\u00ed m\u00e1 p\u0159\u00edstup k va\u0161emu kreditn\u00edmu sk\u00f3re, proto\u017ee odtud budou v\u011bd\u011bt, zda jste schopni prov\u00e1d\u011bt platby v\u010das.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sk\u00f3re tedy funguje jako ur\u010dit\u00e1 z\u00e1ruka pro instituce, kter\u00e9 v\u00e1m daj\u00ed pr\u00e1vo na \u00fav\u011br s d\u016fv\u011brou, \u017ee zaplat\u00edte sv\u00e9 financov\u00e1n\u00ed, \u00fa\u010dty za kartu atd.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>N\u011bkter\u00e9 spole\u010dnosti, kter\u00e9 mohou zkontrolovat va\u0161e kreditn\u00ed sk\u00f3re, jsou:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Banky a finan\u010dn\u00ed instituce<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Poji\u0161\u0165ovny automobil\u016f<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Stavebn\u00ed firmy a realitn\u00ed kancel\u00e1\u0159e<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Internetov\u00ed a telefonn\u00ed oper\u00e1to\u0159i<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Obchodn\u00ed d\u016fm<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Studentsk\u00e9 financov\u00e1n\u00ed<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ne\u017e se tedy obr\u00e1t\u00edte na stavebn\u00ed spole\u010dnost, banku nebo poji\u0161\u0165ovnu, v\u011bnujte pozornost sv\u00e9mu sk\u00f3re, proto\u017ee pokud je vysok\u00e9, m\u016f\u017eete z\u00edskat dobr\u00e9 slevy a sn\u00ed\u017een\u00e9 sazby. Platit sv\u00e9 \u00fa\u010dty v\u010das a m\u00edt organizovan\u00fd a klidn\u00fd finan\u010dn\u00ed \u017eivot proto v budoucnu p\u0159inese jen dobr\u00e9 v\u00fdsledky.<\/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 id=\"5-quais-fatores-influenciam-a-pontua%C3%A7%C3%A3o-de-cr%C3%A9dito-\"><strong>Jak\u00e9 faktory ovliv\u0148uj\u00ed kreditn\u00ed sk\u00f3re?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Quais fatores influenciam a pontua\u00e7\u00e3o de cr\u00e9dito (Imagem: BizCapital)\"  id=\"18734\" src=\"https:\/\/ucarecdn.com\/5debf043-d4c1-438a-a3e5-91e6ffdb77bf\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Jak\u00e9 faktory ovliv\u0148uj\u00ed kreditn\u00ed sk\u00f3re (Obr\u00e1zek: BizCapital)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>N\u011bkter\u00e9 faktory ovliv\u0148uj\u00ed va\u0161e kreditn\u00ed sk\u00f3re. Bu\u010fte tedy opatrn\u00ed, proto\u017ee pokud ve sv\u00e9m ka\u017edodenn\u00edm finan\u010dn\u00edm \u017eivot\u011b d\u011bl\u00e1te tyto jednoduch\u00e9 chyby, je na \u010dase s t\u00edm okam\u017eit\u011b za\u010d\u00edt.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nikdy a za \u017e\u00e1dn\u00fdch okolnost\u00ed v\u00e1s nezklameme. Zde se dozv\u00edte o v\u0161ech hlavn\u00edch faktorech, kter\u00e9 pozitivn\u011b i negativn\u011b ovliv\u0148uj\u00ed va\u0161e sk\u00f3re. Pod\u00edvejte se na to n\u00ed\u017ee:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>1.<\/strong> <strong>Doba vyu\u017eit\u00ed kreditu<\/strong><\/p>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"1. Tempo de uso de cr\u00e9dito (Imagem: blog-br.coinbene)\"  id=\"18754\" src=\"https:\/\/ucarecdn.com\/6531c356-c4e8-4ee8-b475-dc7797305474\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">1. Doba vyu\u017eit\u00ed kreditu (Obr\u00e1zek: blog-br.coinbene)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u010c\u00edm del\u0161\u00ed a pozitivn\u011bj\u0161\u00ed je v\u00e1\u0161 vztah k finan\u010dn\u00edmu trhu, t\u00edm pozitivn\u011bj\u0161\u00ed informace maj\u00ed instituce o va\u0161em finan\u010dn\u00edm profilu, pokud jde nap\u0159\u00edklad o uvoln\u011bn\u00ed nov\u00e9ho financov\u00e1n\u00ed nebo nav\u00fd\u0161en\u00ed limitu va\u0161\u00ed karty.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>2.<\/strong> <strong>Dluhy<\/strong><\/p>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"2. D\u00edvidas (Imagem: blog.guiabolso)\"  id=\"18755\" src=\"https:\/\/ucarecdn.com\/4b5014cb-fb3a-46b1-a16f-92fef8f87c3e\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">2. Dluhy (Obr\u00e1zek: blog.guiabolso)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0160patn\u00e9 jm\u00e9no v Serase nebo SPC p\u0159isp\u00edv\u00e1 ke ztr\u00e1t\u011b bod\u016f. V\u017edy se sna\u017ete vyjednat jak\u00fdkoli dluh, kter\u00fd m\u00e1te, a za\u010dn\u011bte jej spl\u00e1cet co nejd\u0159\u00edve. Pozor tak\u00e9 na to, abyste spl\u00e1tky nezdr\u017eovali.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>3.<\/strong> <strong>P\u0159\u00edli\u0161 mnoho kreditn\u00edch karet<\/strong><\/p>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"3. Muitos cart\u00f5es de cr\u00e9dito (Imagem:FDR)\"  id=\"18757\" src=\"https:\/\/ucarecdn.com\/d3060a08-423d-42c0-8910-0ea4e74fa3ed\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">3. Mnoho kreditn\u00edch karet (Obr\u00e1zek: FDR)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Tento zvyk vy\u017eadovat kartu v ka\u017ed\u00e9m obchod\u011b, kter\u00fd nav\u0161t\u00edv\u00edte, m\u016f\u017ee b\u00fdt pon\u011bkud \u0161kodliv\u00fd, pokud jde o zv\u00fd\u0161en\u00ed va\u0161eho kreditn\u00edho sk\u00f3re. To je zp\u016fsobeno skute\u010dnost\u00ed, \u017ee poka\u017ed\u00e9, kdy\u017e spole\u010dnost kontroluje va\u0161e kreditn\u00ed sk\u00f3re, va\u0161e sk\u00f3re kles\u00e1.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>To se d\u011bje proto, \u017ee pokud byla va\u0161e data ukradena a do v\u00edce \u017e\u00e1dost\u00ed je zapojena z\u00e1ke\u0159n\u00e1 osoba. S n\u00edzk\u00fdm sk\u00f3re finan\u010dn\u00ed instituce odm\u00edtaj\u00ed \u017e\u00e1dosti o karty, a t\u00edm se zabr\u00e1n\u00ed podvod\u016fm.<\/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 id=\"6-4-mentiras-que-te-contam-sobre-o-score-de-cr%C3%A9dito-\"><strong>4 l\u017ei, kter\u00e9 v\u00e1m \u0159\u00edkaj\u00ed o va\u0161em kreditn\u00edm sk\u00f3re<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"4 Mentiras que te contam sobre o score de cr\u00e9dito (Imagem: Serasa)\"  id=\"18735\" src=\"https:\/\/ucarecdn.com\/fbdfe17b-4f40-4773-a87a-7e10297dc109\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">4 l\u017ei, kter\u00e9 v\u00e1m \u0159\u00edkaj\u00ed o va\u0161em kreditn\u00edm sk\u00f3re (Obr\u00e1zek: Serasa)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Zde v\u00e1s provedeme hlavn\u00edmi fale\u0161n\u00fdmi zpr\u00e1vami souvisej\u00edc\u00edmi s kreditn\u00edm sk\u00f3re. M\u016f\u017eeme vyvinout mnoho \u00fasil\u00ed, abychom sk\u00f3re zv\u00fd\u0161ili, ale pokud se to nepohne, alespo\u0148 do 6\/12 m\u011bs\u00edc\u016f, za\u010dn\u011bte se pt\u00e1t sami sebe.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Toto jsou 4 hlavn\u00ed l\u017ei, kter\u00e9 v\u00e1m \u0159\u00edkaj\u00ed o va\u0161em kreditn\u00edm sk\u00f3re. Bu\u010fte opatrn\u00ed a ned\u011blejte tyto chyby:<\/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 id=\"7-colocar-cpf-na-nota-aumenta-a-pontua%C3%A7%C3%A3o-\"><strong>Zvy\u0161uje zahrnut\u00ed CPF do pozn\u00e1mky sk\u00f3re?<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Colocar CPF na nota aumenta a pontua\u00e7\u00e3o (Imagem: Quiteja)\"  id=\"18737\" src=\"https:\/\/ucarecdn.com\/1c9374d5-68a2-4ec5-a817-fd0dd1317284\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">P\u0159id\u00e1n\u00ed CPF do pozn\u00e1mky zvy\u0161uje sk\u00f3re (Obr\u00e1zek: Quiteja)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>To je \u010dast\u00e1 chyba. Obecn\u011b se n\u00e1s mnoho obchod\u016f pt\u00e1, zda chceme na faktu\u0159e zahrnout CPF, ale pokud je va\u0161\u00edm z\u00e1m\u011brem zv\u00fd\u0161it sv\u00e9 sk\u00f3re touto prax\u00ed, m\u00e1me odrazuj\u00edc\u00ed zpr\u00e1vy.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nem\u00e1 smysl uv\u00e1d\u011bt va\u0161e CPF na fakturu s c\u00edlem zv\u00fd\u0161it va\u0161e sk\u00f3re, proto\u017ee je to m\u00fdtus. To, zda do pozn\u00e1mky uvedete sv\u00e9 CPF, nebude m\u00edt \u017e\u00e1dn\u00fd vliv, tak\u017ee to neovlivn\u00ed va\u0161e sk\u00f3re.<\/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 id=\"8-quem-tem-score-baixo-n%C3%A3o-consegue-cart%C3%A3o-de-cr%C3%A9dito-\"><strong>Ti s n\u00edzk\u00fdm sk\u00f3re nemohou z\u00edskat kreditn\u00ed kartu<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Quem tem score baixo n\u00e3o consegue cart\u00e3o de cr\u00e9dito (Imagem: Foregon)\"  id=\"18738\" src=\"https:\/\/ucarecdn.com\/e6d02e75-6ffb-49a9-9a4d-69fa6ec5d3c3\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Ti s n\u00edzk\u00fdm sk\u00f3re nemohou z\u00edskat kreditn\u00ed kartu (Obr\u00e1zek: Foregon)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>To nen\u00ed pravda. Jen proto, \u017ee va\u0161e sk\u00f3re je n\u00edzk\u00e9, nen\u00ed to konec va\u0161eho finan\u010dn\u00edho \u017eivota, nebojte se. Proto\u017ee mnoho spole\u010dnost\u00ed nab\u00edz\u00ed negativn\u00edm lidem \u00fav\u011br s mnoha za\u0159\u00edzen\u00edmi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>N\u00edzk\u00e9 sk\u00f3re v\u00e1s v\u0161ak p\u0159ipravuje o mnoho dobr\u00fdch p\u0159\u00edle\u017eitost\u00ed k z\u00edsk\u00e1n\u00ed \u00fav\u011bru, ale to neznamen\u00e1, \u017ee nebude mo\u017en\u00e9 po\u017e\u00e1dat o p\u016fj\u010dku nebo z\u00edskat kreditn\u00ed kartu.<a style=\" color:;\" href=\"https:\/\/senhorpanda.com\/cs\/como-solicitar-cartao-bmg-para-negativados\/\">to je<\/a>\u0159ekl.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1AI9Ap\">\n  <section class=\"cta 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 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/cs\/como-solicitar-cartao-bmg-para-negativados\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Jak mohu po\u017e\u00e1dat o kartu BMG pro negativn\u00ed lidi?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/7ff76e15-7248-439b-9613-dbd8de2bd662\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/cs\/como-solicitar-cartao-bmg-para-negativados\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Jak mohu po\u017e\u00e1dat o kartu BMG pro negativn\u00ed lidi?\">\n            Jak mohu po\u017e\u00e1dat o kartu BMG pro negativn\u00ed lidi?        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Pod\u00edvejte se na rychl\u00fd a snadn\u00fd zp\u016fsob, jak krok za krokem za\u017e\u00e1dat o kreditn\u00ed kartu BMG, kartu, kter\u00e1 nab\u00edz\u00ed finan\u010dn\u00ed nen\u00e1ro\u010dnost.        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/cs\/como-solicitar-cartao-bmg-para-negativados\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            \u010cti d\u00e1l            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\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? 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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:\/\/senhorpanda.com\/cs\/como-solicitar-cartao-bmg-para-negativados\/\"  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\/7ff76e15-7248-439b-9613-dbd8de2bd662\/\">          \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                Jak mohu po\u017e\u00e1dat o kartu BMG pro negativn\u00ed lidi?              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/cs\/como-solicitar-cartao-bmg-para-negativados\/\"  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                    \u010cti d\u00e1l                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Z\u016fstanete na stejn\u00e9m webu              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\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 id=\"9-an%C3%BAncios-que-prometem-aumentar-o-score-\"><strong>Reklamy, kter\u00e9 slibuj\u00ed zv\u00fd\u0161en\u00ed va\u0161eho sk\u00f3re<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"An\u00fancios que prometem aumentar o score (Imagem: Kzas)\"  id=\"18761\" src=\"https:\/\/ucarecdn.com\/1f1363a4-0fd7-4c23-9641-588ad2534119\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Reklamy, kter\u00e9 slibuj\u00ed zv\u00fd\u0161en\u00ed sk\u00f3re (Obr\u00e1zek: Kzas)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ute\u010dte p\u0159ed t\u011bmito podvodn\u00edky, kte\u0159\u00ed slibuj\u00ed snadnou cestu ze v\u0161eho. V\u011bzte, \u017ee va\u0161e sk\u00f3re za v\u00e1s nikdo nezv\u00fd\u0161\u00ed, tento \u00fakol je pouze v\u00e1\u0161, vypl\u00fdvaj\u00edc\u00ed z va\u0161ich dobr\u00fdch konzumn\u00edch n\u00e1vyk\u016f.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Reklamy, kter\u00e9 slibuj\u00ed okam\u017eit\u00e9 zv\u00fd\u0161en\u00ed va\u0161eho sk\u00f3re, jsou proto jist\u011b zav\u00e1d\u011bj\u00edc\u00ed. Bu\u010fte proto opatrn\u00ed s fale\u0161n\u00fdmi sliby od nepoctiv\u00fdch firem a lid\u00ed.<\/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 id=\"10-quanto-maior-a-renda-maior-o-score-de-cr%C3%A9dito-\"><strong>\u010c\u00edm vy\u0161\u0161\u00ed p\u0159\u00edjem, t\u00edm vy\u0161\u0161\u00ed kreditn\u00ed sk\u00f3re<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Quanto maior a renda, maior o score de cr\u00e9dito (Imagem: BancoBV)\"  id=\"18742\" src=\"https:\/\/ucarecdn.com\/f1e6ea0e-9a27-49c8-abe0-a8b83f14143e\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">\u010c\u00edm vy\u0161\u0161\u00ed p\u0159\u00edjem, t\u00edm vy\u0161\u0161\u00ed kreditn\u00ed sk\u00f3re (Obr\u00e1zek: BancoBV)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Tak tohle je jedna z nejv\u011bt\u0161\u00edch l\u017e\u00ed, kter\u00e9 v\u00e1m kdy kdo \u0159ekl. Proto\u017ee v\u00e1\u0161 plat nem\u00e1 absolutn\u011b \u017e\u00e1dn\u00fd vliv na va\u0161e kreditn\u00ed sk\u00f3re. Sk\u00f3re nehodnot\u00ed, kolik vyd\u011bl\u00e1v\u00e1te, ale sp\u00ed\u0161e va\u0161e spl\u00e1tky va\u0161ich dluh\u016f.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pokud tedy m\u00e1te vysok\u00fd plat a nespl\u00e1c\u00edte sv\u00e9 dluhy v\u010das, bez pr\u016ftah\u016f, va\u0161e sk\u00f3re bude pravd\u011bpodobn\u011b velmi n\u00edzk\u00e9. Na druhou stranu, pokud v\u00e1\u0161 plat nen\u00ed vysok\u00fd, ale plat\u00edte v\u0161echny sv\u00e9 dluhy v\u010das a p\u011bstujete si dobr\u00e9 finan\u010dn\u00ed n\u00e1vyky, va\u0161e sk\u00f3re bude pravd\u011bpodobn\u011b vysok\u00e9.<\/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 id=\"11-ent%C3%A3o-como-aumentar-o-score-\"><strong>Jak tedy zv\u00fd\u0161it sv\u00e9 sk\u00f3re?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Ent\u00e3o, como aumentar o score (Imagem: Xerpa)\"  id=\"18743\" src=\"https:\/\/ucarecdn.com\/63e84122-751a-493e-a8be-928ec81a7ba4\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Jak tedy zv\u00fd\u0161it sv\u00e9 sk\u00f3re (Obr\u00e1zek: Xerpa)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ot\u00e1zkou ale z\u016fst\u00e1v\u00e1: jak tedy m\u016f\u017eete zv\u00fd\u0161it sv\u00e9 sk\u00f3re?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nen\u00ed to snadn\u00fd \u00fakol, ale je velmi dob\u0159e mo\u017en\u00e9 jej dos\u00e1hnout dobr\u00fdmi spot\u0159ebitelsk\u00fdmi n\u00e1vyky. Zde je proto n\u011bkolik rychl\u00fdch a osv\u011bd\u010den\u00fdch tip\u016f, jak efektivn\u011b zv\u00fd\u0161it sv\u00e9 sk\u00f3re. Poj\u010fme?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>1.<\/strong> <strong>M\u011bjte \u00fa\u010dty na sv\u00e9 jm\u00e9no<\/strong><\/p>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"1. Ter contas em seu nome (Imagem: CUT)\"  id=\"18748\" src=\"https:\/\/ucarecdn.com\/415ff2cf-f2db-4b49-ab08-f293e4ef1fee\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">1. M\u011bjte \u00fa\u010dty na sv\u00e9 jm\u00e9no (Obr\u00e1zek: CUT)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nap\u0159\u00edklad m\u00edt \u00fa\u010dty na sv\u00e9 jm\u00e9no a platit je v\u0161echny v\u010das je dobr\u00fd zp\u016fsob, jak zv\u00fd\u0161it sv\u00e9 kreditn\u00ed sk\u00f3re a generovat transakce. Proto\u017ee Serasa bude db\u00e1t na va\u0161i pravidelnost plateb, uv\u011bdom\u00ed si, \u017ee va\u0161e finan\u010dn\u00ed zdrav\u00ed roste, a za\u010dnou v\u00e1s ve sk\u00f3re hodnotit pozitivn\u011b.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>2.<\/strong> <strong>Vy\u010dist\u011bte sv\u00e9 jm\u00e9no<\/strong><\/p>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"2. Limpe seu nome (Imagem: Serasa)\"  id=\"18750\" src=\"https:\/\/ucarecdn.com\/fa215f20-8212-449c-8b42-7cb88ff6aeab\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">2. Vyma\u017ete sv\u00e9 jm\u00e9no (Obr\u00e1zek: Serasa)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O\u010di\u0161t\u011bn\u00ed sv\u00e9ho jm\u00e9na je z\u00e1sadn\u00ed pro to, aby se v\u00e1\u0161 finan\u010dn\u00ed \u017eivot vr\u00e1til do spr\u00e1vn\u00fdch kolej\u00ed. Proto\u017ee \u010d\u00edm rychleji splat\u00edte sv\u00e9 dluhy, t\u00edm rychleji se tyto dobr\u00e9 n\u00e1vyky pozitivn\u011b odraz\u00ed na va\u0161em sk\u00f3re Serasa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>3.<\/strong> <strong>Pla\u0165te sv\u00e9 \u00fa\u010dty v\u010das<\/strong><\/p>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"3. Pague suas contas em dia (Imagem: Pinterest)\"  id=\"18751\" src=\"https:\/\/ucarecdn.com\/e3a76092-b543-4a40-b263-f2b6158ee174\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">3. Pla\u0165te sv\u00e9 \u00fa\u010dty v\u010das (Obr\u00e1zek: Pinterest)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nicm\u00e9n\u011b, m\u00edt zvyk platit sv\u00e9 \u00fa\u010dty v\u010das a celou \u010d\u00e1stku faktury je nejlep\u0161\u00ed p\u0159\u00edstup, kter\u00fd m\u016f\u017eete pro sv\u016fj finan\u010dn\u00ed \u017eivot zaujmout. To se hodn\u011b odr\u00e1\u017e\u00ed na va\u0161em kreditn\u00edm sk\u00f3re, proto\u017ee Serasa si v\u0161imne, \u017ee jste uv\u011bdom\u011bl\u00ed spot\u0159ebitel\u00e9, a d\u00e1 v\u00e1m vy\u0161\u0161\u00ed sk\u00f3re, proto\u017ee v\u00ed, \u017ee v budoucnu budete tyto dobr\u00e9 n\u00e1vyky opakovat nap\u0159\u00edklad p\u0159i placen\u00ed p\u016fj\u010dky.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p><strong>4.<\/strong> <strong>M\u011bjte bankovn\u00ed transakce<\/strong><\/p>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"4. Tenha movimenta\u00e7\u00e3o banc\u00e1ria (Imagem: PrataC\u00e2mbio)\"  id=\"18753\" src=\"https:\/\/ucarecdn.com\/4644b412-ca02-49a3-9a22-2f98cc5b6d71\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">4. Prov\u00e1d\u011bjte bankovn\u00ed transakce (Obr\u00e1zek: PrataC\u00e2mbio)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>B\u011b\u017en\u00e9 a spo\u0159ic\u00ed \u00fa\u010dty jsou proto nejb\u011b\u017en\u011bj\u0161\u00edmi bankovn\u00edmi produkty, pou\u017e\u00edv\u00e1n\u00ed t\u011bchto slu\u017eeb v\u00e1m pozitivn\u011b pom\u016f\u017ee s va\u0161\u00edm Serasa sk\u00f3re. K tomu existuje mnoho digit\u00e1ln\u00edch bank a online \u00fa\u010dt\u016f s mnoha v\u00fdhodami. Za\u010dn\u011bte tedy tyto slu\u017eby vyu\u017e\u00edvat, proto\u017ee krom\u011b toho, \u017ee si zjednodu\u0161\u00edte ka\u017edodenn\u00ed \u017eivot t\u00edm, \u017ee sn\u00ed\u017e\u00edte spot\u0159ebu pen\u011bz, z\u00edsk\u00e1te body do sv\u00e9ho kreditn\u00edho sk\u00f3re.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Fqw4y\">\n  <section class=\"cta 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 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/cs\/guia-completo-para-aumentar-o-seu-score-em-2021\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Kompletn\u00ed pr\u016fvodce zv\u00fd\u0161en\u00edm sk\u00f3re v roce 2021\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/8e7bc437-af94-48e5-8ccf-aad0fd0140a3\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/cs\/guia-completo-para-aumentar-o-seu-score-em-2021\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Kompletn\u00ed pr\u016fvodce zv\u00fd\u0161en\u00edm sk\u00f3re v roce 2021\">\n            Kompletn\u00ed pr\u016fvodce zv\u00fd\u0161en\u00edm sk\u00f3re v roce 2021        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Chcete v\u011bd\u011bt, jak zv\u00fd\u0161it sv\u00e9 sk\u00f3re v roce 2021? 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Zjist\u011bte, co jsou za\u010d, a uvid\u00edte pravdu!<\/p>","protected":false},"author":13,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[38,19],"tags":[141,49,233,288],"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>4 mentiras que te contam sobre o score de cr\u00e9dito<\/title>\n<meta name=\"description\" content=\"Muito se fala do score de cr\u00e9dito, mas algumas coisas s\u00e3o mentiras e voc\u00ea precisa saber. 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