{"id":16636,"date":"2021-02-23T20:14:14","date_gmt":"2021-02-23T20:14:14","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=16636"},"modified":"2022-07-01T02:11:52","modified_gmt":"2022-07-01T02:11:52","slug":"como-aumentar-seu-score-de-credito","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/como-aumentar-seu-score-de-credito\/","title":{"rendered":"Cum s\u0103-\u021bi cre\u0219ti scorul de credit"},"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 id=\"0-score-de-cr%C3%A9dito-\"><strong>scor de credit<\/strong><\/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=\"Score de cr\u00e9dito (Imagem: geracaoseminovos)\"  id=\"16650\" src=\"https:\/\/ucarecdn.com\/3f3499c5-843e-49b8-8e56-e2ecb6d592b9\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Scor de credit (Imagine: geracaoseminovos)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dac\u0103 atunci \u00eent\u00e2mpina\u021bi dificult\u0103\u021bi \u00een ob\u021binerea aprob\u0103rii creditului, lua\u021bi acel \u00eemprumut, o finan\u021bare. Sau dac\u0103 dori\u021bi s\u0103 ob\u021bine\u021bi un nou card de credit, vrem s\u0103 v\u0103 ajut\u0103m s\u0103 \u00eencepe\u021bi cu sfaturi pentru a v\u0103 cre\u0219te scorul de credit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar ce \u00eenseamn\u0103? Scorul de credit este un scor care variaz\u0103 de la 0 la 1.000. Arat\u0103 pie\u021bei dac\u0103 sunte\u021bi cu adev\u0103rat un bun pl\u0103titor. \u00cen plus, cu el b\u0103ncile \u0219i companiile te evalueaz\u0103 pentru a afla dac\u0103 merit\u0103 s\u0103 aprobi cererea ta de credit, dac\u0103 scorul t\u0103u este sc\u0103zut la scor, cererea \u00ee\u021bi poate fi respins\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218i g\u00e2ndindu-ne s\u0103-\u021bi faci via\u021ba mai u\u0219oar\u0103, am adunat \u00een aceast\u0103 postare tot ce trebuie s\u0103 \u0219tii. A\u0219a c\u0103 pute\u021bi face \u0219i cre\u0219te scorul de credit, f\u0103r\u0103 complica\u021bii. Urm\u0103re\u0219te cu noi!<\/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 id=\"1-quantos-pontos-no-score-s%C3%A3o-considerados-bom-\"><strong>C\u00e2te puncte de pe scor sunt considerate bune?<\/strong><\/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=\"Quantos pontos no score s\u00e3o considerados bom (Imagem: financiamentoecredito)\"  id=\"16653\" src=\"https:\/\/ucarecdn.com\/925ee242-f783-447f-9f40-c4453f0e9d32\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >C\u00e2te puncte din punctaj sunt considerate bune (Imagine: financingecredito)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ori de c\u00e2te ori \u00eent\u00e2rzii sau nu pl\u0103te\u0219ti o factur\u0103, numele t\u0103u merge la Serasa \u0219i atunci scorul t\u0103u \u00eencepe s\u0103 scad\u0103. Pe scurt, scorul v\u0103 va defini \u0219ansa de a pl\u0103ti ceea ce datora\u021bi pe baza istoricului pl\u0103\u021bilor pe pia\u021b\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dac\u0103 sunte\u021bi \u00eentre 0 \u0219i 399 de puncte, \u00eenseamn\u0103 c\u0103 risca\u021bi s\u0103 fi\u021bi \u00een default. Cei \u00eentre 400 \u0219i 599 de puncte au un risc mediu. Dac\u0103 scorul t\u0103u se afl\u0103 \u00eentre aceste intervale, cu greu vei avea credit aprobat.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Acum punctele considerate bune sunt: cei care sunt \u00eentre 600 \u0219i 799 de puncte reprezint\u0103 \u00een medie 7 din 10 brazilieni care \u00ee\u0219i pl\u0103tesc facturile la timp. Deci poate fi mai u\u0219or s\u0103 ob\u021bine\u021bi credit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>C\u00e2t despre cei \u00eentre 800 \u0219i 1.000 de puncte, ei reprezint\u0103 9 din 10 persoane care \u00ee\u0219i pl\u0103tesc facturile la timp. Prin urmare, cei din acest interval sunt v\u0103zu\u021bi ca av\u00e2nd un risc sc\u0103zut de neplat\u0103.<\/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 id=\"2-dicas-para-aumentar-o-seu-score-de-cr%C3%A9dito-\"><strong>Sfaturi pentru a v\u0103 cre\u0219te scorul de credit<\/strong><\/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=\"Dicas para aumentar o seu score de cr\u00e9dito (Imagem: Kontaazul)\"  id=\"16656\" src=\"https:\/\/ucarecdn.com\/c9a59bc9-ab75-4318-b46e-3b5be0cdafd4\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Sfaturi pentru a v\u0103 cre\u0219te scorul de credit (Imagine: Kontaazul)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nu exist\u0103 miracole sau trucuri pentru a-\u021bi cre\u0219te scorul, trebuie s\u0103 ai r\u0103bdare \u0219i s\u0103 men\u021bii obiceiuri bune de consum pe tot parcursul anului.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aici vei g\u0103si tot ce po\u021bi face pentru a-\u021bi \u00eembun\u0103t\u0103\u021bi scorul, dar re\u021bine c\u0103 rezultatul nu este imediat, punctele tale vor cre\u0219te \u00een timp, de la stingerea datoriilor \u0219i obiceiurile tale bune de consumator, \u0219i asta suntem te voi invata acum.<\/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 id=\"3-tenha-o-nome-limpo\">au un nume curat<\/h3>\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=\"Tenha o nome limpo (Imagem: matogrossoeconomico)\"  id=\"16659\" src=\"https:\/\/ucarecdn.com\/4db6c0b4-367f-4ec5-9ad4-df08247fd54e\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >S\u0103 aib\u0103 un nume curat (Imagine: matogrossoeconomico)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nu ai unde s\u0103 alergi, nu po\u021bi face mare lucru cu un nume murdar \u00een pia\u021b\u0103, cu at\u00e2t mai pu\u021bin reu\u0219e\u0219ti s\u0103 cre\u0219ti scorul, ba dimpotriv\u0103. Dac\u0103 nu \u00ee\u021bi negociezi datoriile c\u00e2t mai cur\u00e2nd posibil, numele t\u0103u murdar tinde s\u0103-\u021bi lase scorul din ce \u00een ce mai mic.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Fi\u021bi inteligent \u0219i pl\u0103ti\u021bi facturile la timp f\u0103r\u0103 a \u00eent\u00e2rzia ratele. De asemenea, pl\u0103ti\u021bi datoriile \u00eentotdeauna \u00een termenul scadent, dac\u0103 nu pute\u021bi, \u00eencerca\u021bi s\u0103 schimba\u021bi data pl\u0103\u021bii.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar a avea un nume curat este primul pas pe care trebuie s\u0103-l faci pentru a \u00eencepe s\u0103 te g\u00e2nde\u0219ti la alte alternative pentru a-\u021bi cre\u0219te scorul. \u0218i cu Serasa Limpa Nome, nu exist\u0103 scuze pentru a nu-\u021bi negocia datoriile.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>F\u0103r\u0103 a pleca de acas\u0103 folosind site-ul sau aplica\u021bia, pute\u021bi ob\u021bine o reducere de p\u00e2n\u0103 la 90% la tranzac\u021bionare. In plus, cu Serasa Limpa Nome selectezi numarul de rate pe care vrei sa le achiti si data scadenta a bonului tau.<\/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 id=\"4-mantenha-regularidade-nos-pagamentos\">Men\u021bine\u021bi pl\u0103\u021bile regulate<\/h3>\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=\"Mantenha regularidade nos pagamentos (Imagem: Pixabay)\"  id=\"16660\" src=\"https:\/\/ucarecdn.com\/dde14aec-f7d7-475a-b1ff-5185ac9c19df\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Men\u021bine\u021bi pl\u0103\u021bile regulate (Imagine: Pixabay)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nu pentru c\u0103 \u021bi-ai pl\u0103tit facturile la timp timp de o lun\u0103 scorul t\u0103u va cre\u0219te, trebuie s\u0103-\u021bi men\u021bii regularitatea \u0219i s\u0103 intri \u00een obiceiul de a face pl\u0103\u021bi la timp, deoarece sistemul te recunoa\u0219te cu consecven\u021b\u0103 ca fiind un bun pl\u0103titor.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nu dispera dac\u0103 scorul t\u0103u nu a crescut \u00eenc\u0103, trebuie s\u0103 demonstrezi c\u0103 comportamentul t\u0103u s-a schimbat \u0219i s\u0103 p\u0103strezi pl\u0103\u021bile la timp \u00een urm\u0103toarele luni, scorul t\u0103u cre\u0219te \u0219i astfel creditorii s\u0103-\u021bi poat\u0103 reevalua oportunit\u0103\u021bile \u0219i eventual s\u0103-\u021bi acorde credit.<\/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 id=\"5-tenha-contas-no-seu-nome\">Ave\u021bi conturi pe numele dvs<\/h3>\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=\"Tenha contas no seu nome (Imagem: quero financiar)\"  id=\"16661\" src=\"https:\/\/ucarecdn.com\/6ecb5367-7d9b-46ab-a59d-e5cf0bdedad4\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Ave\u021bi conturi pe numele dvs. (Imagine: vreau s\u0103 finan\u021bez)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Av\u00e2nd conturi pe numele dvs., v\u0103 este mai u\u0219or s\u0103 evalua\u021bi dac\u0103 sunte\u021bi un bun pl\u0103titor, deoarece sunte\u021bi remarcat ca \u0219i consumator. Companiile \u0219i b\u0103ncile vor observa c\u0103 ave\u021bi informa\u021bii \u00een CPF \u0219i le va fi mai u\u0219or s\u0103 v\u0103 aprobe creditul.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dac\u0103 ave\u021bi peste 18 ani, \u00eencepe\u021bi prin a pune \u00een numele dvs. facturi simple precum ap\u0103, electricitate \u0219i telefon. Dac\u0103 totul este pl\u0103tit la timp, Serasa \u0219i SPC pot avea o vedere mai clar\u0103 asupra profilului dvs. de pl\u0103titor, cresc\u00e2ndu-v\u0103 astfel scorul.<\/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 id=\"6-atualize-seus-dados-no-serasa\">Actualiza\u021bi-v\u0103 datele pe Serasa<\/h3>\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=\"Atualize seus dados no Serasa (Imagem: Foregon)\"  id=\"16684\" src=\"https:\/\/ucarecdn.com\/008129b3-f798-4699-94e2-675486381f5a\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Actualiza\u021bi-v\u0103 datele pe Serasa (Imagine: Foregon)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Acesta este u\u0219or, p\u0103stra\u021bi-v\u0103 datele la zi, cum ar fi v\u00e2rsta, adresa \u0219i num\u0103rul de telefon \u00een \u00eenregistrarea dvs <a style=\" color:;\" href=\"https:\/\/senhorpanda.com\/ro\/descubra-como-funciona-o-serasa-score\/\">serasa scor<\/a>. Acest pas este foarte important deoarece faciliteaz\u0103 procesul de c\u0103utare a informa\u021biilor dac\u0103 \u021bii deja totul la zi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218i ce este mai bine, po\u021bi face totul online, f\u0103r\u0103 s\u0103 pleci de acas\u0103. Dar chiar dac\u0103 nu po\u021bi, este posibil s\u0103 actualizezi datele \u0219i \u00eentr-o agen\u021bie. Cu toate acestea, asigura\u021bi-v\u0103 c\u0103 respecta\u021bi protocoalele de prevenire \u0219i lupta \u00eempotriva Covid-19.<\/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 id=\"7-fa%C3%A7a-compras-a-prazo\">Face\u021bi achizi\u021bii \u00een rate<\/h3>\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=\"Fa\u00e7a compras a prazo (Imagem: contabilidadenaTV)\"  id=\"16663\" src=\"https:\/\/ucarecdn.com\/42d39b49-adf8-409a-9753-0eb0511f88d4\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Efectua\u021bi achizi\u021bii \u00een rate (Imagine: contabilitate la TV)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Efectuarea platilor in numerar, numerar sau cu card de debit nu contribuie la cresterea punctajului, idealul este sa platesti mereu in rate sau numerar, ci folosind cardul de credit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De asemenea, nu are rost s\u0103 pune\u021bi CPF-ul pe factur\u0103 pentru a v\u0103 cre\u0219te scorul, deoarece acesta este un mit. Punerea sau nu a CPF-ului \u00een not\u0103 nu va face nicio diferen\u021b\u0103, a\u0219a c\u0103 nu va afecta scorul.<\/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 id=\"8-negocie-suas-d%C3%ADvidas\">negociaz\u0103-\u021bi datoriile<\/h3>\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=\"Negocie suas d\u00edvidas (Imagem: UOLe-commerce)\"  id=\"16664\" src=\"https:\/\/ucarecdn.com\/b44d7089-61e2-47ff-aa97-4078f9c6a18a\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Negocia\u021bi-v\u0103 datoriile (Imagine: UOLe-commerce)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Unul dintre cei mai importan\u021bi pa\u0219i ai procesului este s\u0103 fi\u021bi dispus s\u0103 c\u0103uta\u021bi solu\u021bii pentru a v\u0103 achita datoriile, a\u0219a c\u0103 c\u0103uta\u021bi o plat\u0103 care se potrive\u0219te bugetului dvs.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Este bine ca alegi sa achiti intreaga suma datorata chiar daca in rate, deoarece asta demonstreaza ca esti interesat si vrei sa mentii o relatie buna cu firma, crescand astfel punctele pozitive ale punctajului.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>C\u00e2nd negociezi o datorie \u0219i pl\u0103te\u0219ti prima tran\u0219\u0103, asta \u00ee\u021bi ofer\u0103 deja posibilitatea de a avea un nume curat \u00een pia\u021b\u0103, p\u0103r\u0103sind Serasa \u0219i acesta este deja un pas mare f\u0103cut \u00een direc\u021bia cre\u0219terii scorului de credit.<\/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 id=\"9-excesso-de-cart%C3%B5es-de-cr%C3%A9dito\">Prea multe carduri de credit<\/h3>\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=\"Excesso de cart\u00f5es de cr\u00e9dito (Imagem: Pixabay)\"  id=\"16671\" src=\"https:\/\/ucarecdn.com\/197d8b04-bbb9-456b-ae66-c8c65bd5b637\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Prea multe carduri de credit (Imagine: Pixabay)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aten\u021bie la excesul de carduri de credit, cei care solicit\u0103 prea multe ajung s\u0103 piard\u0103 puncte, asta se \u00eent\u00e2mpl\u0103 ca o form\u0103 de securitate pentru c\u0103 Serasa b\u0103nuie\u0219te c\u0103 \u00een aceste solicit\u0103ri sunt implicate persoane r\u0103u inten\u021bionate \u0219i ajung s\u0103 \u00ee\u021bi reduc\u0103 punctele astfel \u00eenc\u00e2t alte institu\u021bii de carduri refuza\u021bi-le.comenzile dumneavoastr\u0103 \u0219i evit\u00e2nd astfel posibile fraude.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru a fi \u00een siguran\u021b\u0103, nu cere\u021bi mai multe carduri dec\u00e2t pute\u021bi folosi, dac\u0103 ave\u021bi deja un card cu o limit\u0103 bun\u0103 este indicat s\u0103 refuza\u021bi pe al\u021bii. Este mai util s\u0103 investe\u0219ti \u00een cre\u0219terea limitei unui singur card dec\u00e2t a avea mai multe carduri care se adun\u0103 la o limit\u0103 total\u0103 mare.<\/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 id=\"10-evite-muitas-consultas-ao-seu-cpf\">Evita\u021bi multe interog\u0103ri c\u0103tre CPF<\/h3>\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=\"Evite muitas consultas ao seu CPF (Imagem: limpanomeonline)\"  id=\"16673\" src=\"https:\/\/ucarecdn.com\/ff583791-922b-4c8c-8210-99bc48388480\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Evita\u021bi multe interog\u0103ri la CPF (Imagine:cleannameonline)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>C\u00e2nd solicita\u021bi un card nou, ob\u021bine\u021bi un \u00eemprumut sau solicita\u021bi credit \u00eenainte de a fi aprobat, compania sau banca va face o solicitare de credit c\u0103tre CPF-ul dvs. \u0219i c\u00e2nd acest lucru se \u00eent\u00e2mpl\u0103 foarte des, Serasa \u0219i SPC \u00een\u021beleg c\u0103 v\u0103 confrunta\u021bi cu instabilitate financiar\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deci, din acest motiv, alege s\u0103 aplici pentru \u00eemprumuturi sau carduri noi dac\u0103 este cu adev\u0103rat necesar. De exemplu, \u00een loc s\u0103 folose\u0219ti cardul acelui magazin care \u00eencearc\u0103 s\u0103 te \u00eemping\u0103 de fiecare dat\u0103 c\u00e2nd faci o achizi\u021bie, alege s\u0103 pl\u0103te\u0219ti cu un card pe care \u00eel ai deja.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Chiar dac\u0103 exist\u0103 avantaje \u00een cump\u0103rarea cu card de magazin, este mai util s\u0103-\u021bi p\u0103strezi CPF-ul f\u0103r\u0103 consulta\u021bie \u0219i s\u0103-\u021bi p\u0103strezi scorul ridicat, a\u0219a c\u0103 nu-\u021bi fie ru\u0219ine s\u0103 refuzi propunerea unui v\u00e2nz\u0103tor, cu c\u00e2t sunt mai pu\u021bine carduri, cu at\u00e2t mai bine.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Fiecare companie care v\u0103 consult\u0103 CPF este \u00eenregistrat\u0103 timp de 90 de zile, a\u0219a c\u0103 atunci c\u00e2nd face\u021bi o mul\u021bime de \u00eentreb\u0103ri \u00eentr-o perioad\u0103 scurt\u0103 de timp, acest lucru v\u0103 scade scorul.<\/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 id=\"11-mantenha-um-bom-relacionamento-com-o-seu-banco\">Men\u021bine\u021bi o rela\u021bie bun\u0103 cu banca dvs<\/h3>\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=\"Mantenha um bom relacionamento com o seu banco (Imagem: neilpatel)\"  id=\"16674\" src=\"https:\/\/ucarecdn.com\/0f8716fd-3739-4df6-be78-72b6a75c0124\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Men\u021bine o rela\u021bie bun\u0103 cu banca ta (Imagine: neilpatel)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>C\u00e2nd investi\u021bi \u00een rezolvarea majorit\u0103\u021bii problemelor cu o singur\u0103 institu\u021bie, cum ar fi un cont curent, un card de credit \u0219i produse de la aceea\u0219i banc\u0103, acest lucru v\u0103 cre\u0219te scorul.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ar\u0103t\u00e2nd c\u0103 ai o rela\u021bie bun\u0103 \u0219i av\u00e2nd mereu grij\u0103 ca pl\u0103\u021bile s\u0103 fie la zi, scorul t\u0103u nu va face dec\u00e2t s\u0103 creasc\u0103, pe m\u0103sur\u0103 ce institu\u021bia \u00eei transmite Serasa c\u0103 e\u0219ti un bun pl\u0103titor.<\/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 id=\"12-existe-truque-para-aumentar-o-score\">Exist\u0103 un truc pentru a cre\u0219te scorul?<\/h3>\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=\"Existe truque para aumentar o score (Imagem: automotivoshopping)\"  id=\"16675\" src=\"https:\/\/ucarecdn.com\/0802f366-c7ac-4a35-8d32-790db41eee9f\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Exist\u0103 un truc pentru a cre\u0219te scorul (Imagine: Automotiveshopping)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Balela. Deci, ceea ce trebuie s\u0103 faci este s\u0103 urmezi pa\u0219ii pe care \u00eei descriem aici \u0219i s\u0103-\u021bi dezvol\u021bi bune obiceiuri financiare pentru o perioad\u0103, astfel \u00eenc\u00e2t Serasa s\u0103 poat\u0103 revizui \u0219i s\u0103 aduc\u0103 rezultate bune pentru scorul t\u0103u.<\/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 id=\"13-o-que-fazer-para-aumentar-o-score-r%C3%A1pido-\"><strong>Ce s\u0103 faci pentru a cre\u0219te rapid scorul?<\/strong><\/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=\"O que fazer para aumentar o score r\u00e1pido (Imagem: Credproduzir)\"  id=\"16679\" src=\"https:\/\/ucarecdn.com\/2bb709a4-528e-4b41-91cb-1a280b3c4687\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Ce trebuie s\u0103 faci pentru a-\u021bi cre\u0219te rapid scorul (Imagine: Credproduduzir)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aceasta este marea voin\u021b\u0103 a tuturor celor care au scor ro\u0219u \u0219i exist\u0103 o solu\u021bie! Acestea sunt sarcini simple care cer doar constan\u021b\u0103, iar dac\u0103 citi\u021bi toate sfaturile noastre din acest articol, ve\u021bi ob\u021bine cu siguran\u021b\u0103 puncte pozitive la scorul dvs.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adev\u0103rul este c\u0103 nu exist\u0103 o formul\u0103 magic\u0103 \u0219i vei avea nevoie de r\u0103bdare, rezultatele nu sunt imediate \u0219i cei care promit acest tip de serviciu rapid mint de obicei. Ceea ce v\u0103 va face cu adev\u0103rat s\u0103 creasc\u0103 rapid scorul sunt toate ac\u021biunile pe care le \u00eentreprinde\u021bi pentru a deveni un bun pl\u0103titor.<\/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 id=\"14-conhe%C3%A7a-o-score-turbo-\"><strong>Face\u021bi cuno\u0219tin\u021b\u0103 cu ScoreTurbo<\/strong><\/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=\"Conhe\u00e7a o Score Turbo (Imagem: seucreditodigital)\"  id=\"16681\" src=\"https:\/\/ucarecdn.com\/0c3c3c8b-6755-4e9e-b698-8cee822a6e6e\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Face\u021bi cuno\u0219tin\u021b\u0103 cu Score Turbo (Imagine: seucreditodigital)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar, deoarece ne place s\u0103 v\u0103 oferim sfaturi valoroase, ve\u021bi afla \u0219i mai multe despre acest mod sigur 100% de a v\u0103 cre\u0219te punctele cu Score Turbo:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Este un serviciu oferit chiar de Serasa in care este posibil sa iti cresti punctajul mai rapid negociand datoriile si platind la timp. Achit\u00e2ndu-\u021bi datoriile cu planul turbo, prime\u0219ti o cre\u0219tere special\u0103 \u00eenainte de scor la timp.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Toate acestea pentru a v\u0103 men\u021bine \u00eenregistrarea pozitiv\u0103 (CP) activ\u0103. Ceea ce este ca un \u201ecv financiar\u201d \u00een care se calculeaz\u0103 scorul t\u0103u. Crearea CP-ului dumneavoastr\u0103 este automat\u0103, toate persoanele fizice \u0219i juridice care cump\u0103r\u0103 \u00een rate \u0219i au conturi legate de CPF au aceast\u0103 \u00eenregistrare deschis\u0103, dar exist\u0103 posibilitatea de a \u00eentrerupe aceast\u0103 \u00eenregistrare.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De men\u021bionat c\u0103 scorul t\u0103u cre\u0219te doar dup\u0103 ce plata este aprobat\u0103, dac\u0103 \u00eent\u00e2rzi, nu pl\u0103te\u0219ti sau faci o nou\u0103 datorie, avantajele tale cu Score Turbo sunt dezactivate.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aminti\u021bi-v\u0103 c\u0103 doar unele oferte sunt selectate cu turbo, a\u0219a c\u0103 trebuie s\u0103 c\u0103uta\u021bi oferte care au simbolul rachetei, acestea sunt valabile.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Score Turbo este o modalitate de a v\u0103 oferi un stimulent mai mare pentru a v\u0103 pl\u0103ti datoriile prin avansarea punctelor. Nu \u00ee\u021bi ofer\u0103 puncte suplimentare, ci doar prime\u0219ti punctele mai devreme, dar sunt acelea\u0219i puncte pe care le-ai primi mai t\u00e2rziu dac\u0103 ai pl\u0103ti conform planului obi\u0219nuit.<\/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 id=\"15-passo-a-passo-para-aumentar-seu-score\">Pas cu pas pentru a-\u021bi cre\u0219te scorul<\/h3>\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=\"Passo a passo para aumentar o score (Imagem: tecnoblog)\"  id=\"16677\" src=\"https:\/\/ucarecdn.com\/ef21c449-1545-4f9d-9dd2-03269a43623a\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Pas cu pas pentru a cre\u0219te scorul (Imagine: tecnoblog)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218tia\u021bi c\u0103 este posibil s\u0103 v\u0103 cre\u0219te\u021bi scorul de credit cu p\u00e2n\u0103 la 900? Asta e corect. Unele companii te ajut\u0103 cu aceast\u0103 recuperare a creditului, dac\u0103 pa\u0219ii de mai sus nu sunt suficien\u021bi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Maximum Score este un produs care se afl\u0103 pe pia\u021b\u0103 de ceva timp \u0219i a ajutat pe oricine are nevoie s\u0103-\u0219i creasc\u0103 scorul s\u0103-\u0219i cumpere o ma\u0219in\u0103, s\u0103-\u0219i finan\u021beze locuin\u021ba sau chiar s\u0103 solicite un \u00eemprumut.<\/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 id=\"16-conclus%C3%A3o\">Concluzie<\/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=\"Conclus\u00e3o (Imagem: Foregon)\"  id=\"16685\" src=\"https:\/\/ucarecdn.com\/a70b11bb-45f6-4246-85ac-07bb9f236825\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Concluzie (Imagine: Foregon)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen sf\u00e2r\u0219it, \u0219tim c\u0103 nu este o sarcin\u0103 u\u0219oar\u0103 s\u0103-\u021bi cre\u0219ti scorul de credit, dar to\u021bi ace\u0219ti pa\u0219i sunt necesari pentru a-\u021bi rec\u00e2\u0219tiga \u00eencrederea companiilor.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Brazilia este o \u021bar\u0103 cu peste 63 de milioane de negative conform bilan\u021bului Serasa Experian din noiembrie 2019, aceasta reprezint\u0103 40,4% din popula\u021bia adult\u0103 a \u021b\u0103rii.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Exist\u0103 mul\u021bi oameni cu numele murdar \u0219i, \u00een consecin\u021b\u0103, cu scorul la niveluri sc\u0103zute. Acest lucru dezv\u0103luie obiceiuri proaste de consum care trebuie schimbate urgent, iar scorul de credit ne poate ajuta s\u0103 men\u021binem o rutin\u0103 de consum s\u0103n\u0103toas\u0103. Pe l\u00e2ng\u0103 verificarea scorului, este important s\u0103 \u0219tii dac\u0103 numele este murdar, pentru a-\u021bi putea reglementa finan\u021bele.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1igY2i\">\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\/ro\/como-saber-se-meu-nome-esta-sujo\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Cum \u0219tiu dac\u0103 numele meu este murdar?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/d6919a1a-7c2f-4905-b98e-71992b8cd58b\/\" 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\/ro\/como-saber-se-meu-nome-esta-sujo\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Cum \u0219tiu dac\u0103 numele meu este murdar?\">\n            Cum \u0219tiu dac\u0103 numele meu este murdar?        <\/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            De multe ori este posibil s\u0103 nu \u0219ti\u021bi dac\u0103 ave\u021bi un nume murdar sau dac\u0103 suferi\u021bi o negativitate nejustificat\u0103. 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Afla\u021bi cum s\u0103 v\u0103 cre\u0219te\u021bi scorul de credit chiar acum<\/p>","protected":false},"author":13,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[38,19],"tags":[142,141,140,49],"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 aumentar o seu score de cr\u00e9dito: Veja as melhores dicas<\/title>\n<meta name=\"description\" content=\"J\u00e1 tentou fazer um cart\u00e3o ou solicitar um empr\u00e9stimo e ouviu que seu score estava baixo? 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