Do you know what it means to be like a dirty name?

Did you ever hear " so-and-so can not shop because he's got a dirty name "?  This means that this person is not a good payer and has already owed in the establishments where he purchased some product or service.

Traders can tell if the person is dirty by doing a simple consultation with credit protection services. In this post we will explain everything about being with the "dirty name", what the consequences of this, what to do to clear the name and tips to avoid default. Check it out!

Dirty name: what does that mean?

The term "dirty name" means that a person has failed to pay any bills and the creditor has registered their CPF in the credit protection services lists. Thus, when that person is to make a new purchase, the person in charge of the commercial establishment can consult these protective organs and even deny the sale by identifying that the customer has the dirty name.

Credit protection services record personal and behavioral information from consumers and are advised by companies that have stopped receiving payments.

But before the name is inserted in the SPC or Serasa, the consumer is notified via letter, phone call or message on the cell phone about the probable inclusion of the name in the credit restriction organs, if the debt is not paid in a determined period.

How do I know if I have a dirty name?

You can consult your name free of charge at credit protection agencies. Look for the nearest service desk and enjoy to update your registration information, such as address and phone number. This is important so that you are advised if there is any outstanding debt and also receive notification that your name has been added to the negative list.

In addition, even if you have your accounts in place, you should monitor your CPF in these agencies to identify fraudulent debts, that is, they are frauds using your data. Stay tuned!

Why should I clean my name?

With the "dirty name", you will hardly be able to get on with your life quietly. It is that the restriction on the name / CPF is poorly seen in the credit market and causes difficulties for:

  • Apply for loan at most banks;
  • Financing a car, property or other property;
  • Enter a consortium of real estate or vehicles;
  • Acquire entry visa in some countries;
  • Sign contract with service providers;
  • Open a checking account or purchase a credit card;
  • Get low interest rates because interest for the negatives tend to be higher;
  • Staying in the Positive Registry, which is a database of good payers;

Among other important situations for your well-being and financial growth.
In addition, your credit score decreases dramatically, further damaging your access to credit.

Tips to clean your name:

  1. If possible, pay in cash to get more discounts.
  2. Seek the creditor to know the current value of your interest-bearing debt for delay;
  3. While paying your settlement, avoid making new debts so you do not run the risk of running out of money to pay them off.
  4. Inquire about the options of negotiation: installment without entrance or with entrance and discounts in the cash payment;
  5. The payment of the first installment of the agreement already clears your name, but to remain with the name clean you must pay the installments on time;
  6. Before negotiating, make a diagnosis of your financial situation and know how much you can direct to pay off your debt without going overboard;

The discount granted at the time of negotiation may be lost in case of late payment. So, schedule yourself so you do not lose your salaries.
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