When you apply for a new card, take out a loan or apply for credit before being approved, the company or bank will make a credit inquiry to your CPF and when this happens very often, Serasa and SPC understand that you are experiencing financial instability.<\/p>\n<\/div>
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So, for that reason, choose to apply for loans or new cards if it's really necessary. For example, instead of using the card of that store that tries to push you every time you make a purchase, choose to pay with a card you already have.<\/p>\n<\/div>
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Even if there are advantages in buying with a store card, it is more worthwhile to keep your CPF without consultation and keep your score high, so don't be ashamed to refuse a seller's proposal, the fewer cards, the better.<\/p>\n<\/div>
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Each company that consults your CPF is registered for 90 days, so when you make a lot of inquiries in a short period of time, this lowers your score.<\/p>\n<\/div>