{"id":57803,"date":"2022-05-06T23:00:00","date_gmt":"2022-05-06T23:00:00","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=57803"},"modified":"2022-05-04T02:23:33","modified_gmt":"2022-05-04T02:23:33","slug":"analise-de-credito-dos-bancos","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/el\/analise-de-credito-dos-bancos\/","title":{"rendered":"\u03a0\u03ce\u03c2 \u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03bf\u03c0\u03bf\u03b9\u03b5\u03af\u03c4\u03b1\u03b9 \u03b7 \u03b1\u03bd\u03ac\u03bb\u03c5\u03c3\u03b7 \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03b9\u03ba\u03ce\u03bd \u03c0\u03b9\u03c3\u03c4\u03ce\u03c3\u03b5\u03c9\u03bd;"},"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>Saia na frente na hora da an\u00e1lise de cr\u00e9dito dos bancos<\/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=\"An\u00e1lise de cr\u00e9dito \u00e9 um processo inevit\u00e1vel realizado pelas institui\u00e7\u00f5es financeiras, que avalia seu perfil de consumidor. Fonte: Adobe Stock.\"  id=\"57805\" src=\"https:\/\/cdn.adtechpanda.com\/97869beb-ea0a-4d2b-9acb-98fbd14d01e4\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >An\u00e1lise de cr\u00e9dito \u00e9 um processo inevit\u00e1vel realizado pelas institui\u00e7\u00f5es financeiras, que avalia seu perfil de consumidor. Fonte: Adobe Stock.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>N\u00e3o \u00e9 surpresa para ningu\u00e9m que o cr\u00e9dito pode te ajudar bastante na hora de comprar um eletrodom\u00e9stico novo ou at\u00e9 resolver algum problema de sa\u00fade emergencial. Nesses e em outros momentos \u00e9 essencial contar com o cr\u00e9dito. Contudo, nem sempre \u00e9 f\u00e1cil passar pela an\u00e1lise de cr\u00e9dito dos bancos e garantir esse servi\u00e7o, n\u00e3o \u00e9?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A verdade \u00e9 que voc\u00ea pode ser um dos consumidores que cometem alguns erros e assim acaba sendo reprovado na an\u00e1lise de cr\u00e9dito. Um dos principais \u00e9 n\u00e3o saber como esse processo funciona. Como passar em um teste sem saber o que ser\u00e1 avaliado? Pensando em voc\u00ea que est\u00e1 com problemas, explicaremos detalhadamente tudo sobre o processo de an\u00e1lise.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>N\u00e3o saia da\u00ed e venha conosco para entender como funciona a an\u00e1lise de cr\u00e9dito dos bancos!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1rGym3\">\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\/el\/tudo-sobre-o-cadastro-positivo\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"\u03a4\u03b1 \u03c0\u03ac\u03bd\u03c4\u03b1 \u03b3\u03b9\u03b1 \u03c4\u03b7 \u0398\u03b5\u03c4\u03b9\u03ba\u03ae \u0395\u03b3\u03b3\u03c1\u03b1\u03c6\u03ae\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/ca639bd8-bcbd-405c-89ad-2fd1ca1fa5fb\/\" 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\/el\/tudo-sobre-o-cadastro-positivo\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"\u03a4\u03b1 \u03c0\u03ac\u03bd\u03c4\u03b1 \u03b3\u03b9\u03b1 \u03c4\u03b7 \u0398\u03b5\u03c4\u03b9\u03ba\u03ae \u0395\u03b3\u03b3\u03c1\u03b1\u03c6\u03ae\">\n            \u03a4\u03b1 \u03c0\u03ac\u03bd\u03c4\u03b1 \u03b3\u03b9\u03b1 \u03c4\u03b7 \u0398\u03b5\u03c4\u03b9\u03ba\u03ae \u0395\u03b3\u03b3\u03c1\u03b1\u03c6\u03ae        <\/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            Quer melhorar seu score para a hora da an\u00e1lise de cr\u00e9dito do banco? Conhe\u00e7a o Cadastro Positivo da Serasa.         <\/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\/el\/tudo-sobre-o-cadastro-positivo\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            \u03a3\u03c5\u03bd\u03ad\u03c7\u03b9\u03c3\u03b5 \u03bd\u03b1 \u03b4\u03b9\u03b1\u03b2\u03ac\u03b6\u03b5\u03b9\u03c2            <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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Al\u00e9m disso, a an\u00e1lise observa como est\u00e1 o seu nome na pra\u00e7a, se est\u00e1 sujo ou limpo, se h\u00e1 d\u00edvidas a pagar, em negocia\u00e7\u00e3o, entre outras coisas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Isso tudo para que os bancos e outras institui\u00e7\u00f5es financeiras possam ter alguma ideia de que podem confiar nospessoal do seu clientes, mais elas adquirem confian\u00e7a nessa pessoa.&nbsp; seus pagamentos. A partir desses pontos as empresas sabem quanto de cr\u00e9dito \u00e9 poss\u00edvel liberar, o percentual de juros e quantidade de parcelas dispon\u00edveis.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Resumindo, a an\u00e1lise de cr\u00e9dito \u00e9 o processo em que o banco analisa seu perfil financeiro para garantir que receber\u00e1 os valores que foram concedidos em cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em geral, se voc\u00ea paga suas contas em dia e n\u00e3o acumula d\u00edvidas, a an\u00e1lise de cr\u00e9dito dos bancos n\u00e3o ser\u00e1 um problema para voc\u00ea. Veja s\u00f3 como funciona todo o processo!<\/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 funciona uma an\u00e1lise de cr\u00e9dito?<\/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=\"Afinal, como funciona a an\u00e1lise de cr\u00e9dito? Fonte: Adobe Stock.\"  id=\"57806\" src=\"https:\/\/cdn.adtechpanda.com\/f4f9c0d5-93eb-496f-965e-5c6043e07784\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Afinal, como funciona a an\u00e1lise de cr\u00e9dito? Fonte: Adobe Stock.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em geral, acabamos de ver que o grande objetivo da an\u00e1lise de cr\u00e9dito \u00e9 confirmar que o contratante tem meios de realmente pagar os valores solicitados. Para isso, as institui\u00e7\u00f5es levam em conta alguns aspectos espec\u00edficos.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sendo assim, s\u00e3o eles que voc\u00ea precisa conhecer para se sair bem na an\u00e1lise de cr\u00e9dito, veja s\u00f3:<\/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>Dados pessoais&nbsp;<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Em primeiro lugar, a empresa precisa te conhecer melhor, ent\u00e3o ela solicita informa\u00e7\u00f5es b\u00e1sicas como nome, endere\u00e7o, CPF, telefone para contato, estado civil, escolaridade, entre outros.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00c9 importante destacar que informa\u00e7\u00f5es como essas podem ajudar bastante a estabelecer relacionamento com a empresa. Em geral, quanto mais as empresas conhecem a vida pessoal dos seu clientes, mais elas adquirem confian\u00e7a nessa pessoa.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nesse sentido, fornecer o m\u00e1ximo de informa\u00e7\u00f5es poss\u00edveis sobre sua vida pessoal, financeira e profissional, vai trazer grandes benef\u00edcios para an\u00e1lise de cr\u00e9dito dos bancos.<\/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>Problemas com d\u00edvidas<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A institui\u00e7\u00e3o consulta as restri\u00e7\u00f5es da pessoa f\u00edsica ou jur\u00eddica de acordo com as operadoras de cr\u00e9dito. O principal intuito desta parte da an\u00e1lise \u00e9 identificar se h\u00e1 pagamentos pendentes ou at\u00e9 d\u00edvidas no seu nome.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Essa parte da avalia\u00e7\u00e3o acontece sem complica\u00e7\u00f5es, pois a empresa realiza todo procedimento atrav\u00e9s do CPF (no caso de pessoa f\u00edsica) ou CNPJ (para pessoas jur\u00eddicas).<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>No processo de an\u00e1lise de restri\u00e7\u00f5es cadastrais, os resultados geralmente s\u00e3o<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>CPF\/CNPJ sem restri\u00e7\u00f5es, ou seja, nome limpo;<\/li><li>Consumidor com hist\u00f3rico em alerta: nesse caso, h\u00e1 libera\u00e7\u00e3o de cr\u00e9dito, mas a avalia\u00e7\u00e3o \u00e9 mais detalhada.<\/li><li>Consumidor com restri\u00e7\u00f5es cadastrais: h\u00e1 d\u00edvidas, atrasos, renegocia\u00e7\u00f5es ou outros problemas com pagamento<\/li><li>CPF\/CNPJ com impedimento: nesse caso, h\u00e1 a\u00e7\u00f5es de bloqueio de bens, do sistema financeiro ou outras a\u00e7\u00f5es fiscais que impedem a realiza\u00e7\u00e3o de opera\u00e7\u00f5es de cr\u00e9dito.<\/li><\/ul>\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>Hist\u00f3rico do consumidor&nbsp;<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nessa etapa do processo a empresa fornecedora do cr\u00e9dito confere se voc\u00ea paga as contas em dia ou atrasa seus pagamentos, nesse \u00faltimo caso se leva em conta o tempo do atraso.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al\u00e9m disso, a empresa tamb\u00e9m consulta seu tempo de relacionamento com outras institui\u00e7\u00f5es e \u00e9 nesse processo que o Score surge.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O Score \u00e9 a pontua\u00e7\u00e3o de 0 a 1000 que indica o qu\u00e3o bom pagador voc\u00ea \u00e9. Dependendo dessa pontua\u00e7\u00e3o a empresa pode realizar ofertas melhores para voc\u00ea ou reduzir alguns benef\u00edcios.<\/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>Comprova\u00e7\u00e3o do sal\u00e1rio&nbsp;<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Os pap\u00e9is demonstrativos do recebimento v\u00e3o indicar qual \u00e9 a sua realidade financeira. Via de regra, o interessado no cr\u00e9dito deve ceder comprovantes como o Imposto de Renda, Holerite e Pr\u00f3-labore para que a empresa entenda quanto cr\u00e9dito \u00e9 poss\u00edvel liberar para o seu caso.<\/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>Quanto tempo leva uma an\u00e1lise de cr\u00e9dito?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00c9 bem complicado cravar um tempo exato para as an\u00e1lises de cr\u00e9dito porque cada institui\u00e7\u00e3o tem o seu processo espec\u00edfico. Mesmo assim, vale destacar que as an\u00e1lises online costumam ser bem mais r\u00e1pidas, durando no m\u00e1ximo cinco dias \u00fateis.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Contudo, ainda h\u00e1 alguns casos nos quais a an\u00e1lise de cr\u00e9dito pode chegar at\u00e9 quinze dias \u00fateis, mesmo sendo online. Al\u00e9m disso, os processos que as empresas realizam de forma&nbsp; f\u00edsica costumam demorar um pouco mais.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O ideal para tirar sua d\u00favida quanto a isso \u00e9 procurar pessoas que s\u00e3o clientes dessa mesma empresa para consultar quanto tempo levou a an\u00e1lise de cr\u00e9dito dos bancos. No entanto, lembre-se que esse tempo pode ser algo particular.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>At\u00e9 porque, cada CPF\/CNPJ tem suas caracter\u00edsticas e particularidades, ou seja, alguns casos s\u00e3o mais f\u00e1ceis de analisar do que outros. A rec\u00edproca tamb\u00e9m \u00e9 verdadeira.<\/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>\u03a0\u03ce\u03c2 \u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03bf\u03c0\u03bf\u03b9\u03b5\u03af\u03c4\u03b1\u03b9 \u03b7 \u03b1\u03bd\u03ac\u03bb\u03c5\u03c3\u03b7 \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03b9\u03ba\u03ce\u03bd \u03c0\u03b9\u03c3\u03c4\u03ce\u03c3\u03b5\u03c9\u03bd;<\/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=\"Empresas como o Serasa fazem parte da etapa conclusiva da an\u00e1lise de cr\u00e9dito. Fonte: Serasa.\"  id=\"56008\" src=\"https:\/\/cdn.adtechpanda.com\/4d728cd8-6085-49c8-97f2-f95e8fea9ae5\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Empresas como o Serasa fazem parte da etapa conclusiva da an\u00e1lise de cr\u00e9dito. Fonte: Serasa.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>No geral, a an\u00e1lise de cr\u00e9dito dos bancos consiste em duas fases principais, nas quais os bancos entendem com que tipo de clientes est\u00e3o lidando naquele contrato.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ficou em d\u00favida? Ent\u00e3o entenda quais s\u00e3o essas fases e o que acontece em cada uma delas:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>An\u00e1lise prim\u00e1ria<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Esse \u00e9 o momento em que a empresa solicita todas as informa\u00e7\u00f5es necess\u00e1rias para que haja a verifica\u00e7\u00e3o de restri\u00e7\u00f5es no hist\u00f3rico do comprador. Sendo assim, a an\u00e1lise do perfil de consumo e outras informa\u00e7\u00f5es complementares entram em cena nesse primeiro momento.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A empresa tamb\u00e9m pede os documentos de comprova\u00e7\u00e3o dos dados que o cliente informou no momento do cadastro como RG, CPF, endere\u00e7o, entre outras coisas. Somado a isso, \u00e0s vezes \u00e9 necess\u00e1ria a comprova\u00e7\u00e3o de renda. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ap\u00f3s essa avalia\u00e7\u00e3o preliminar, a empresa vai se direcionar para an\u00e1lise do perfil e do hist\u00f3rico de pagamentos. Nesse caso, se o resultado for positivo, o cliente j\u00e1 est\u00e1 aprovado na primeira fase da an\u00e1lise de cr\u00e9dito dos bancos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Fase de conclus\u00e3o<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Essa costuma ser a fase mais temida pelos clientes, pois aqui a empresa faz contato com o contratante para confirmar algumas informa\u00e7\u00f5es ou tirar d\u00favidas sobre sua situa\u00e7\u00e3o financeira.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Na etapa conclusiva, empresas como a Serasa Experian, SPC, Bacen e outras entram em cena para dar um parecer melhor sobre o seu hist\u00f3rico. Somado a isso, alguns operadores de cr\u00e9dito podem at\u00e9 entrar em contato com pessoas conhecidas que possam informar melhor sobre sua \u00edndole como consumidor.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z2hOmTN\">\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\/el\/como-se-cadastrar-no-serasa-consumidor\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"\u03a0\u03ce\u03c2 \u03bd\u03b1 \u03b5\u03b3\u03b3\u03c1\u03b1\u03c6\u03b5\u03af\u03c4\u03b5 \u03c3\u03c4\u03bf Serasa Consumidor;\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/87c94b27-af95-4b24-b3f7-5a6f1a10d56b\/\" 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\/el\/como-se-cadastrar-no-serasa-consumidor\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"\u03a0\u03ce\u03c2 \u03bd\u03b1 \u03b5\u03b3\u03b3\u03c1\u03b1\u03c6\u03b5\u03af\u03c4\u03b5 \u03c3\u03c4\u03bf Serasa Consumidor;\">\n            \u03a0\u03ce\u03c2 \u03bd\u03b1 \u03b5\u03b3\u03b3\u03c1\u03b1\u03c6\u03b5\u03af\u03c4\u03b5 \u03c3\u03c4\u03bf Serasa Consumidor;        <\/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            Monitore seu CPF e score de cr\u00e9dito 24 horas por dia. Conhe\u00e7a o servi\u00e7o Serasa Consumidor.         <\/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\/el\/como-se-cadastrar-no-serasa-consumidor\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            \u03a3\u03c5\u03bd\u03ad\u03c7\u03b9\u03c3\u03b5 \u03bd\u03b1 \u03b4\u03b9\u03b1\u03b2\u03ac\u03b6\u03b5\u03b9\u03c2            <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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O Senhor Panda te ajuda com isso. Saiba mais aqui!<\/p>","protected":false},"author":29,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[38],"tags":[3604,3608,3606,3605,3607],"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>Como \u00e9 feita a an\u00e1lise de cr\u00e9dito dos bancos? - Senhor Panda<\/title>\n<meta name=\"description\" content=\"A an\u00e1lise de cr\u00e9dito \u00e9 feita para avaliar seu perfil de consumidor, ou seja, se voc\u00ea costuma andar com seus pagamentos em dia. 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