As mentioned in the previous article, the credit score it is a score that can define your profile as a customer, for example, if you pay your bills in days.
But do you know what to do when your score is low? Check out some tips to improve your score and increase the chances of approval for financial services requests.
Learn how to improve your score!
1. Clear your name
First of all, to have a credit score high and with high chances of approval is to clear your name, if you have debts in your name. In addition, it is best to avoid getting your name dirty as much as possible, as this could harm your score and lower the score.
This is because many financial companies usually deny loans to negatives, for example. Or else they charge exorbitant interest rates so that the customer commits to paying off debts as quickly as possible.
Therefore, we recommend that you pay your bills on time and avoid having debts in your name so that your score improves more and more.
2. Make a credit card
The Crediário is nothing more than a purchase made in installments that was formerly made through a booklet in which the customer took home a booklet with the amounts to be paid every month.
With the evolution of technologies, the famous booklet was replaced by the credit card and now purchases can be paid in installments through it.
Furthermore, when the customer makes a purchase on your behalf, the credit protection agencies are aware that you are always participating in the financial market.
Meanwhile, the practice of requesting an increase in the card limit can harm your score and indicate that you are in need of money, for example.
3. Update your data
In order to have a good credit score, it is important to always update your data, such as email, phone and address. In this way, it is also possible to avoid possible fraud.
Also, if you change your name, you also need to update this data so as not to harm your score.
To update your data, you can go to a site like serasa and fill out a form, attaching your documents and having your signature notarized.
4. Consult the Positive Registration
Your Positive Record is a record of your financial behavior in relation to bills and services, such as telephone, electricity and water. In addition to its history as a customer of companies that provide credit and finance.
That's why it's important to check how your history is so that your score increases. This query can be done via Good view or at other companies.
Finally, to improve your credit score, your financial profile needs to be interesting to other companies and not show any defaults.
