Meu score caiu do nada, e agora?

Entenda o motivo e aprenda como reverter a situação

O score de crédito é importante para conseguir aprovação em empréstimos, cartões e financiamentos, por isso é essencial entender como a sua nota pode variar.

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Atrasos no pagamento de contas, dívidas em aberto e pedidos repetidos de cartões de crédito e empréstimos podem contribuir para a queda da nota.

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Existem diversas razões para o score de crédito de uma pessoa cair. Alguns dos motivos mais comuns incluem atraso no pagamento de contas, aumento do nível de endividamento, abertura de muitos créditos em um curto período de tempo e inclusão do nome nos órgãos de proteção ao crédito.

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Como recuperar o score?

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Certifique-se de pagar suas contas em dia, pois esse é um dos principais fatores que influenciam a pontuação do score de crédito;

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Se o seu nome estiver negativado, procure regularizar a situação o quanto antes;

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Evite fazer muitos pedidos de crédito em um curto período de tempo e use o crédito de forma consciente, evitando gastar mais do que pode pagar;

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Mantenha seus dados atualizados junto às empresas de crédito e no Cadastro Positivo, pois isso pode ajudar a aumentar o score.

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Lembre-se que a recuperação do score de crédito pode levar algum tempo, então é importante manter hábitos saudáveis financeiramente para evitar que a pontuação caia novamente.

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Entenda o motivo e aprenda como reverter a situação