Since 2015, children born in Brazil have already received the Individual Taxpayer Registration, better known as CPF at the registry office, and this number is written down where it used to be without information, so how can I query the CPF at Serasa?

In addition, the CPF is important, as there are several situations in which only the identity number is not enough, as well as other data.

So, we will explain to you the importance of the CPF, how to query the CPF by name, as well as other useful information.

Nowadays, positive registration has been widely discussed among consumers, however, it has existed in Brazil since 2011, and since July 2019, registration in this register at credit agencies, such as Boa Vista and Serasa, has been made mandatory for all Brazilians with a CPF.

Despite this, staying in the positive register is not mandatory, just ask to withdraw, without having to pay costs, and it will be closed within two business days.

The positive record works like a financial resume. This is because it is a database that stores information about payments that have already been made and that have not yet expired.

Thus, we have, as examples, installments of financing, loans, credit cards and recurring bills, such as water, electricity and internet.

However, payments made in cash or debit card are not assigned to the positive record.

This occurs because this information does not have a due date for payment, so it will not reach the credit bureaus.

So, the positive record is for the companies you apply for: credit card loan, financing, term purchases, to have access to all your financial data and thus be able to analyze in a fairer and more accurate way the risk of granting you or not a credit.

It is necessary to bear in mind that in the positive registration, only the following will be available:

That is, it does not contain which products the customer purchased, where they were purchased, the card limit, or any other information that affects the customer's privacy.

However, don't worry, there is a bank secrecy law that protects data in case of leakage.

To answer that question, understand, that it depends.

If you are a good payer of bank slips, the answer will be positive, as the tendency is to increase the score.

However, if you are a person who: 

Unfortunately, the score will remain low, and the positive record will not help at all.

And, a point worth mentioning is that the positive record takes into account information about first-degree relatives.

Although bank branches answer this question positively, there is no way to know for sure.

This is because the positive registration law did not guarantee any effective advantage to the consumer, so there is no way to predict these advantages.

So, what we really know is that the positive record allows the company to subjectively assess whether or not you deserve that credit.

For the negative record, the focus will be on the person's default, in arrears in the payment of debts

As for the positive record, the is just the opposite. This is because the positive record seeks to value consumers who pay their bills on time.

Yes. This is because, when consulting the negative record, the bank will only have access to the negative data of your financial life, for a maximum of five years.

Now, with a positive record, the bank will have access to the entire history of your financial life, including bills paid on time, which can be included for 15 years.

Thus, it will take into account not only the bills that you failed to pay, but also those that you paid.

As we mentioned earlier, the Cadastro de Pessoa Física, famous CPF, is an extremely important document for all Brazilians.

This is because a child, for example, without a CPF, cannot have access to a health plan, including government programs.

Thus, to consult the CPF by name, for legal security reasons, it can occur in two ways:

In addition, there is also a paid service called “Você Consulta” that works so that you can verify the CPF of third parties at Serasa.

So, the services of "Você Consult" actually serve to close deals or hire an individual, requiring the person's CPF numbers.

Another way to query the CPF online is through the Federal Revenue website.

So, just have the numbers at hand, and it will only be possible to confirm them, and you also need to have the person's full name and date of birth.

So, we can see that the CPF is so important that it is not possible to easily know a person's CPF.

Yes, it is possible to obtain a duplicate of the CPF, however, the number remains the same.

Thus, the customer must go to one of the post offices, Banco do Brasil and Caixa Econômica Federal, and apply for a copy of the CPF.

For this, there must be loss, theft, or another problem similar to these, and thus, proceed to the aforementioned associated entities.

There will also be a symbolic fee of a maximum of R$7 (seven) reais, in order to have access to the document.

Yes, the CPF number may be inactive, due to pending issues, for example, not delivering the income tax return, in the case of individuals who would be obliged to deliver it.

There is also the possibility of suspension, in case of pending issues in the documentation, for example, incomplete or incorrect address or name, and as long as they are not remedied, the CPF remains suspended or inactive.

Finally, always keep your data up to date, so that there are no inconsistencies with the Federal Revenue Service, which can be resolved through the Revenue website itself.

Unfortunately, the answer to that question is yes.

If the CPF is inactive, the person will be unable to carry out operations of a financial or banking nature.

That is, from opening a checking account, to making installment purchases, getting a passport, among other consequences, becoming a big headache.

Thus, as mentioned above, frequently consulting the Revenue website helps to know the progress of the CPF.

For those forgotten on duty, the good news is that failing to vote does not cancel the CPF, however, it may have other consequences.

So keep exercising your right to vote, which is our way of making our country evolve more and more.

At the time of pain, we often end up forgetting to cancel the CPF of that loved one, however, it is necessary.

In cases of property sharing, when making the estate, the CPF is canceled automatically.

However, in the case of people who do not own assets, it is necessary that a relative go to the Federal Revenue to cancel the CPF, using the death certificate, and thus avoid fraud.

To answer this question, as we mentioned, the CPF is a number that belongs to each person individually.

Thus, it does not change, even if the person moves from Brazil, however, the documentation must be kept up to date.

This is because, any movement involving goods, in which Brazil is on the list, if the documents are not up to date, cannot be carried out.

So, if moving to another country, getting married, or taking any action that generates consequences, pay attention to the change in registration data.

To consult the CPF online and free of charge through Serasa, just follow the next steps that we will explain step by step:

It is necessary to fill in the database with full name, CPF, date of birth, e-mail and password.

This password must have at least eight characters with numbers and lowercase and uppercase letters. 

When checking the data, two forms of verification will appear, by email or SMS, just choose one and confirm afterwards.

Finally, all information related to that CPF will appear on the screen.

Another option, in addition to the website, is the SerasaConsumidor app, which is free and available on the App Store and Google Play. Look:

In addition, through the app, you can consult the Serasa score at any time.

And, finally, he still sends a report with all his financial history, debts and pendencies that may occur.

First of all, we need to understand that there are people who have debts and don't even know it, oddly enough.

Thus, to consult outstanding debts at Serasa, just follow the next steps. Look:

Furthermore, when debts arise, you will have access to your creditors, as well as negotiation options.

Finally, you will be able to choose the trading method, generate a slip, and pay the amounts.

Another thing, the deadline for creditors to withdraw their name from Serasa, is up to five working days after the payment of the debt, where receipts will be delivered that prove the payment of the debt.

In Brazil, fraud happens quite often, unfortunately, so it is important to understand how we can protect ourselves against fraud.

So, if there is a loss of the CPF, or if it is being used improperly, the ideal is to file an incident report immediately.

That's because the incident report will protect that holder from the misuse of his CPF.

Another point is that depending on the nature of the damage, it is recommended to seek a specialist lawyer to help with the necessary procedures to regularize.

That is, it is advised that you make periodic inquiries about how your CPF is, however, to protect you from fraud, Serasa created the Serasa anti-fraud program.

This program seeks to keep the CPF holder informed of all movements that occur in his CPF, as well as any inconsistencies.

Furthermore, there are several plans available, from the simplest to the premium plan that includes CPF monitoring, serasa score, consultations, in short, complete data protection.

And, to better understand how to take care of your name, and other information that you might also be interested in, see more at: