Is there such a blacklist of lending and credit in banks and financial institutions in Brazil ? This is an issue that will never be proven. But the fact is that we all pass can go through financial difficulties, one way or another, or at some point in life. While some of us have managed to get out of financial problems with intelligence and debt management, others have lifted the white flag and are defaulting on their loans and financial obligations.
When defaulting, the borrower will have his name and financial records accounted for with bad credit history, meaning the person will look like the dirty name and denied the protection agencies, and depending on the operation that person will join the ranks like other defaulters on the “blacklist for credit and loans”. If you find yourself in this limbo of credit, what are the most sensible things you can do?
It may not be your case, however, many people are limited to thinking that home economics is enough to ensure that financial plans are fail-safe. However, financial life has its twists and turns, and in one of these turns something can disrupt the financial stability of a family or individual person.
Making small investments may not be as advisable, but it is essential to be able to maximize your financial security, to get extra money and to ensure that in the future if there are problems, financially you have the resources to hold the tips for some time. If you have specific goals, you can make them real over time through investments or financial savings from month to month.
In the financial-market world, the most likely there is even the so-called “black list,” it registers individuals and groups that became defaulters when they contracted debts and soon after entering a series of nonpayment being classified as low payers. When a person’s name goes “blacklisted,” it becomes more difficult for that person to apply for bank financial services. Note: Some institutions make the loan offer to negative.
How does a person get registered on a credit blacklist? The main reason why financial institutions deny credit facilities to borrowers is their grim credit history. Factors that contribute to bad credit history include existing unpaid debts, bad credit repayment and loan default. With all this, the person ends up having his name denied by the credit regulatory agencies, this list is available to affiliated banks. In another case, when a person applies for a loan , the banks search their own credit record lists and deny the personal loan or financing in general.
Fortunately, a person with a negative name or hidden debts in institutions can redeem themselves from their previous bad debts. Although this path is not easy and the process is time consuming. Paying debts, this is just one way to repair your bad credit and remove your name from the ” blacklist for credit and loan “:
If you have outstanding credit and loans and want to clear your name from SPC, SCPC and Serasa, the best thing you can do is to pay off your debts and clear your name from the legal and individual bank and financial lists. If you want to settle your debit balance on more favorable terms, you should talk to the bank to withdraw and negotiate your debts with discounts, lower interest and penalties, and better payment terms.
Once you’ve finally settled on your loan debts, ask the bank, notary, or trade board to issue a full payment certificate. Unfortunately in Brazil there is no national credit agency that serves as a universal credit database for all financial institutions.
In the absence of a centralized credit agency, the risks involved in lending are higher and the market for financial products and services is very limited.
Well, I think you’ve figured out that the only way out of the “blacklist” is to settle all your debts. Although they say that this list does not exist, their registration in Serasa or SPC will not prevent you from getting loans and other banking products in the future.
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