SPC Brasil allows you to make a free online consultation of the credit score with data from the Positive Register. In addition to debts, the entity's score also considers payments made to banks and other financial institutions. The registration helps to compose a more complete profile of the consumer in credit analysis processes. Proponents of this type of record point out that past commitments that have been honored should also be taken into account when defining the customer's ability to pay and thus achieve lower interest rates.
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Currently, the entity charges to release the consultation of accumulated pending issues in the CPF, but it allows to see the payment history and the free credit score on the website. See below how to view the information over the Internet. It is worth mentioning that the payment information for each consumer is still being registered in the website's database. Therefore, some CPFs may not return results.
SPC Brasil allows you to consult Score and payment history of the Positive Register for free Photo: Paulo Alves / TechTudo
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Step 1. Access SPC Brasil's Positive Registration (https://www.spcbrasil.org.br/cadastropositivo/consumidor/) and click on Enter in the upper right corner of the screen;
Login to the SPC Brasil website Photo: Reproduo / Paulo Alves
Step 2. If you are not yet registered on the site, click on Register;
Create a free account at SPC Brasil Photo: Reproduo / Paulo Alves
Step 3. Fill in the form with name, date of birth, CPF and mother's name. At the end, provide an email to create an account and click Proceed;
Fill in the form with your personal data Photo: Reproduo / Paulo Alves
Step 4. Open the e-mail sent by SPC Brasil and click the Confirm registration button;
Click on the link sent by email to continue registration Photo: Reproduo / Paulo Alves
Step 5. Create a password and click Continue;
Create an access password Photo: Reproduo / Paulo Alves
Step 6. Registration with SPC Brasil requires two-step verification, which involves an additional code that must be entered at the time of login, along with the password. To configure, download an authentication application on your phone, such as Google Authenticator. After downloading, tap Start and select Read a barcode;
Download the Google Authenticator Photo: Reproduo / Paulo Alves
Step 7. Point the phone at the computer screen and scan the QR Code that appears on the SPC Brasil page. A code appears on the cell phone. Type it in the field below to proceed;
Read the QR Code with Google Authenticator and enter the code to proceed Photo: Reproduo / Paulo Alves
Step 8. The SPC Brasil panel immediately shows the value of the last payment and the maximum number of days of delay registered in your database. Click See more below Score and Payment History to see the score and payments from the Positive Register.
See the Score and payment history of the SPC Brasil Positive Register Photo: Reproduo / Paulo Alves
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