2021 has already started and it's time to start putting into practice the plans you make at New Year's Eve. Among them, it's very likely that you decided to fix your financial life, right? If so, that obviously includes increasing your Serasa or SPC score, clearing your name in the market and becoming, once and for all, a good payer in the eyes of financial institutions. So take these tips below and start putting your plan into practice right now. Let's go!

It's not news to anyone that having a good score at companies like SPC or Serasa is a watershed when applying for a bank loan. After all, it is through it that financial institutions are able to identify whether you are a good payer and the risk of default if you release money. No wonder, one of the biggest concerns of those who want to keep a good name in the market to get credit is precisely the possibility of increasing their score.

But how is this score calculated, that is the question! After all, if you want to know how to increase your credit score, you need to understand how the process actually works, right? Just know: there is no miracle, okay? This is because improving your situation at Serasa or SPC does not happen overnight, but over a long process.

In order to consistently increase your score, it is important to understand that the purpose of scoring is to assess how a citizen deals with credit obtained in the market, that is, whether he is a good payer or not. This assessment, in turn, is made through analyzes of your history in dealing with loans, financing, bills and credits of all kinds.

With that in mind, the formulas for calculating your score, whether on Serasa or SPC, will always take your financial past into account. Thus, if you want to increase your score, you should focus, above all, on your relationships with the credits obtained in the market. The more debts you have, the greater the chances of not having a good score.

As you can see above, having a good score in the credit analysis agencies means that you are a good payer. That way, it makes no sense to want to increase your score if you have outstanding debts, does it?

So, the first step is to know if your name is clean, that is, if there are no debts and restrictions on your CPF. If so, it's important that you settle all pending issues before anything else, as having a clean name is the first requirement to increase your score. Pay off your debts and do your best to regularize your financial life because that's the only way your score will start to rise. Before that, there's nothing you're going to do that will truly change your situation.

Oh, and before we move on to the next tips, it's good to leave the alert: depending on the amount of your debt or how long it is, it will take you more or less time to get back to having a good score. Unfortunately, it's the price you pay when you fail to pay something.

Debts already paid, so it's time to know the hacks, that is, the secrets to increase your score. Let's go there?

Many times, due to a lapse of memory, we delay paying our bills, don't we? Although this does not necessarily mean your bad name, as there is a deadline for regularization without damage to the restriction on the CPF, delaying the discharge of your boletos negatively impacts your score.

So, if you intend to increase your score, be aware of the deadlines of your installments so that they are not constantly paid late. This carelessness brings the impression of financial disorganization and, therefore, a profile with a low score. To make your life easier, put your bills on automatic debit and don't worry about paying your bills anymore!

Better than not delaying the payment of your bills is to pay them in advance. Have no doubt that this is a positive fact and so much to increase your score. This is because, when making the payment in advance, banks and finance companies identify that you are an excellent payer who manages to pay your expenses even before the due date.

Did you know that having accounts in your name is a great indicator for increasing your score? So it is! After all, how will banks analyze you financially if they don't find information about you? How to identify that you are a good payer if you don't even have bills to pay? There is no way to!

So, to improve your score, have accounts in your name, such as bank accounts or simple consumer accounts. Also, regarding the latter, it is very important that you have at least one in your name, as this type of charge is associated with an address. This, in turn, further increases the reliability of companies to be able to contact you in case of delay in your payments.

To really be identified as a good payer and, consequently, increase your score, nothing better than taking out a new credit card. Although most require you to have a good score to be approved, there are some that give even when the user's score is not so high, such as, for example, digital banks, including Nubank and C6 Bank.

With a credit card in hand, it is possible to rebuild your credit card history. As? Spending within your budget and always paying your bills on time. Even better if it's in advance! But beware of a trap: pay before the due date only when the invoice closes, because if you pay off your debt partially with it open, it is likely that this movement will be understood as payment in installments, which lowers your score. Stay tuned!

Although applying for a new credit card is positive, “shooting everywhere” is one of the enemies when it comes to increasing your score. By doing this, banks understand that the risk of indebtedness is greater, as they are looking for more credit, which means they are spending more.

In addition, this action in lowering your score works as a protection for yourself. It sounds strange, but the systems understand that it could be a bad person using your CPF to apply for credit and, to avoid this, your score is lowered so that banks / institutions do not release it. If your credit request is rejected, it is recommended to wait about 6 months to make a new proposal.

Another relevant fact to increase your score is not to commit more than 30% of the credit limit. As well as asking for many cards, banks also understand that there is a greater risk of default when you use the entire available limit frequently. So be careful when taking on multiple purchases in installments and committing your card limit for a long time to prevent your score from melting.

Often, we don't give importance to keeping data up to date, but know that, to increase your score, this is extremely necessary. It is always important to update your information, both in institutions where you apply for credit and in credit protection agencies. Oh, and if you don't have your registration yet, just do it over the internet. In most cases, it is done free of charge.

Finally, our last tip is to register Positive, which is definitely one of the best actions you can take to increase your Credit Score. For those who don't know, this record is used by credit bureaus to gather positive information about your payments, which can help generate better grades for you.

Although it is not the only company in the market in consumer default risk analysis, Serasa is, by far, the best known of all. So, it is undeniable that having a good score at Serasa means increasing your chances of obtaining credit.

In case your score there is not so good, Serasa has launched a new feature that lets the customer know how many points their credit score will increase when repaying a debt. Called Serasa Turbo, to access it you just need to register on the Serasa website and there is no cost. That way, you can know if it's worth paying off before or not. Cool, isn't it?

Now that you already know our tips on how to increase your score, start practicing them right now. Have a year unlike any other and organize your finances. Your life thanks you!