It is common for people not to know how the query dirty name. This procedure is extremely important to identify who is negative or not.

Therefore, it is essential that this subject be more disseminated. After all, knowing your pendencies is the first step for those seeking financial autonomy.

Therefore, the purpose of this post is to help you on this journey. Here, you will learn more about the query dirty name. See how and where to do this and learn how to pay off your debts.

He is the biggest synonym of "bad payer" here in Brazil. A person with a dirty name has their CPF entered into a special database. The latter refers to the control of individuals with credit restrictions.

To get your name out of that bank, you need to pay off the debt. Still, you can expect her to prescribe. However, this is not recommended as it can take years.

Now, imagine the following situation. You have decided to join a platform to verify that your name is clear. However, he ended up finding an undue debt.

In that case, you must seek your rights. It is even possible to get compensation for moral damages. However, to do this check, you must first know how to look up your name.

So, check out the next topics. They will explain you better about the platforms where you can do this. Realize that this is a simpler process than it looks.

There are 3 main ways to do this query. So, you can opt for the Serasa, SCPC or SPC Brasil website. Each of them works differently.

However, they all have the same proposal and are very effective. One tip is, after seeing how to do it on each platform, choose the one you found the simplest.

The Serasa Experian website offers you query dirty name free. This can be done through the application or through the Serasa Consumer portal. You will need to have your CPF in hand, in case you don't know it by heart.

The first step is to access the platform. Then select the check debts button. It will take you to a registration page. In it, you will have to enter some personal data.

The requested information is not much, just basic things. Once that's done, it's time to create a login. To do this, you will need to choose an email and password. Okay, at the end of this step, your registration will be complete.

Then, head to the backlog panel. It will show you a complete report of your debt, if any. Thus, it will be possible to observe some points. The first of them is who was the company that registered this debt.

Also, you will have access to its value and the original due dates. The system informs the period in which this record was made. Now, if you think that's all Serasa Experian can do, you're wrong.

Throughout the year, it is possible to monitor offers to settle debts. It's a good opportunity to regularize your financial life. Thus, the most famous event of this type is the Feirão Limpa Nome.

Through it, you get huge discounts on your debts. There are several companies that participate in this process. So, it's really worth checking if the institution you owe to is also present.

Eventually, fees are released. Black Friday is the most classic example of this. Thus, checking your pending items here is very simple.

Another opportunity to check your debts is through the SCPC. Boa Vista allows you to do this for free. It is then possible to search the entire SCPC database for a debt.

Therefore, you only need to go to the Positivo Consumer website. The latter also has a mobile version. This way, you can do this procedure even on your cell phone.

The similarity between this alternative and Serasa Experian is in the first contact. So you will also need some background information. They will serve as the basis for registering on the platform.

Likewise, you must enter an email and password. A tip if you decide to do this query on more than one site. Never use the same “passwords”. This directly implies the security of your data.

After all, if someone discovers one, he will know all the others. So, logged in, just go to the debts session. There you will find all your debts well listed.

This checking tool has a very interesting differential. She manages to separate pending issues into two groups, those that are visible to the market and those that are not.

Furthermore, this distinction does not prevent a report from being issued. Then, it is possible to access the date of occurrence and the amount of the debt. Also, you can identify who was the company responsible for putting your name on the site.

Finally, the Positivo Consumer website informs if there is any record of returned checks and protests. Without a doubt, you leave with a full sense of how your financial status is going.

If you like to be cautious, you can pay a fee to activate a radar.

The only platform mentioned here where the query dirty name it's not free. The SPC Brasil website charges a very small fee for this operation. The value is only R$ 9.90 reais

Also, there is the option to verify via the app. This amount does not change regardless of your choice. The initial registration step takes a little longer here. However, it lasts no more than 10 minutes.

Among the data you will need to inform are address, telephone and some documents. Also, understand that the fee charged is not just for checking your backlog. You can take advantage of many other features within the sie.

So, it is possible to check the record of defaults and protests. Also, you can find out if there are any bounced checks. Things don't stop there. You can see the registration data held by the associated companies.

This includes name, phone, last addresses, among others. Also, you can find out all queries made to your CPF in the last 6 months. Apart from any credits granted and information from the Judiciary.

Now, if you want even more data, the platform charges an extra fee. Paying the latter, you get reports on the participation of people in companies.

However, imagine that you want to consult your CNPJ. In that case, you have to pay another amount. The same goes for third-party CPF consultation.

So, notice that the 3 alternatives mentioned here have some characteristics in common. However, each offers certain types of particular services.

for just query dirty name, any one of them will do. One tip is to opt for sites that offer this for free. So you don't have to spend, which is an advantage, especially if you're in debt. However, the final choice is always yours.

So far, you've already learned to identify if your name is dirty. However, this is only the first step towards achieving the long-awaited financial autonomy.

Clearing your reputation in the market requires some actions. They are the ones you will meet in the next topics.

As said, this is the initial step. Choose one of the sites above and find out absolutely everything about your debt. So, see if it's more than one, the value, date and so on. To understand

You will not be able to resolve your situation without good planning. He is the basis of everything. So, put all your expenses and your monthly income into a spreadsheet.

Remember that it will only be possible to renegotiate your debts with some money left over. So invest that time in analyzing your budget. Also, separate expenses into “essentials” and “superfluous”.

Then see which ones you can cut or at least reduce. Ideally, you should be able to save around 10% of your income.

That's why it's so important to have this complete notion of everything. It is a very laborious task. However, believe me, the result is always rewarding.

At first, you might not find this tip as helpful. However, she will surprise you. Let's say you have an outstanding debt with very high interest rates. So, the intention here is to make a new debt and settle the first one.

The credit card is a good example. His annual interest can reach up to 300%. That way, you can take on new debt on another line of credit. The difference is that the extra fees are much lower.

Thus, you discharge the first pendency. The second, remains open awaiting closure. However, it will be cheaper than the first one. It's a way to save money.

Imagine you've done the whole procedure for query dirty name. However, there are still some doubts about your debt. Therefore, do not hesitate to look for lenders.

Talk to them and clarify all points of your debt. If you have more than one, list them in order from most expensive to least expensive. Only then, think of a renegotiation strategy.

Including, seeking the creditor is even a way to show interest in resolving the pendency. This can give you good discounts. After all, both parties want to get out of this situation.

Know that as soon as you pay the first installment of your debt, your name is already off the restrictive list. This after signing a new agreement. Here, it is necessary to understand that not every proposal will be advantageous for you.

Therefore, do not rush into such a serious commitment. The ideal is to talk to the creditor, if he launches an alternative, take it easy. Ask for time to review all the details of the contract.

Thus, you guarantee that you will not commit to something that you will not be able to fulfill. Let's say that the lender's proposal does not match your financial reality.

Feel free to give new ideas. The important thing is that the whole process is advantageous considering both parties.

The renegotiation process is a fundamental step in getting rid of the dirty name. It is the gateway to gaining financial autonomy. However, when such an agreement is not fulfilled, your situation can get even worse.

When trying to make a new agreement above, you will not have access to the same conditions. Thus, very high interest rates can come. So again, take it easy before signing a contract.

Go back to your budget worksheet and analyze whether the value of the installments is too high or not. That way, don't miss the opportunity to renegotiate. As much work as this study takes, understand that it can save you a lot of money.

Investing is making your money work for you. It's no use going through the stage of query dirty name, and not proceed with the rest of the process.

Imagine that after a new agreement, you are getting out of debt. Thus, it is expected that there will be something left at the end of the month. Do not include this income in your expenses.

Try to apply the latter in a safe way. This universe of the financial market requires a certain amount of knowledge. Therefore, seek to update yourself on the main forms of investment.

Thus, you not only save money but multiply. However, this is a step that requires care. Hence the importance of seeking to study the subject before anything else.

Application is an activity that can earn you good profits. So consider putting it into practice whenever possible.

Finally, identifying your debts is just the first step. However, he is the most important of all. So choose between Serasa Experian, SPC Brasil or SCPC.

You already know how the scheme works query dirty name. So go further, follow the tips above and conquer your financial autonomy.