It is possible to consult the CPF online to find out if your name is dirty. Currently, the three main databases used to register defaulters offer access via the Internet. The platform managed by Serasa Experian and the Central Credit Protection Service (SCPC), managed by Boa Vista Servios, allow free access. The Credit Protection Service (SPC Brasil), with information constituted by the Shopkeepers' Boards (CDL), charges a fee for using the service. See below for three ways to discover active debts with companies and financial institutions.
READ: Free website shows if your CPF has questions; see
How to consult CPF in Serasa; free app works on mobile
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Serasa Experian offers free CPF consultation through the application and the Serasa Consumer portal (www.serasaconsumidor.com.br). The user must click on the option Consult doubts to register with his personal data, create a password and confirm the e-mail. After registration, just go to the Pending panel to see the information.
See three sites to consult the CPF on the internet Photo: Ana Letcia Loubak / TechTudo
The website shows the company that registered the debt, the amount and the original maturity and availability dates in the system. Throughout the year, the user can also access offers for settling debts with creditors at Feiro Limpa Nome. The CNPJ consultation, which you normally pay, can be released on specific dates, such as Black Friday.
The platform also offers Serasa Antifraude for optional contracting, a subscription service that alerts consumers to new registered pending items, queries made by companies, changes in the credit score (score) and eventual data leakage on the dark web.
Serasa Experian offers free CPF consultation on the Serasa Consumer portal Photo: Reproduo / Paulo Alves
Boa Vista provides free consultation to the SCPC database on the Consumidor Positivo website (www.consumidorpositivo.com.br/consulta-cpf-gratis/), which also has a mobile version. The platform also requires an account with CPF and other personal data, in addition to email and password.
Then, you only need to check the box Dvidas to find out the amount of pending issues in the name. The tool separates the pending issues between those that are visible and invisible to the market, depending on the date of the occurrence, including values ??and the company responsible for registering. In addition, it shows whether there are records of returned checks and protests.
The SCPC score consultation is also free, and already includes any benefits obtained with payments indicated in the Positive Register. The platform charges fees to activate a radar that, among other things, allows you to know if the CPF will be negative before it even appears in the database.
SCPC database managed by Boa Vista Photo: Reproduo / Paulo Alves
It is also possible to consult CPF online at the SPC Brasil base, but it is necessary to pay a fee of R $ 9.90. The service is offered via an application or website (www.spcbrasil.org.br) and requires a registration that includes documents, telephone and full address. Despite the payment, consultation gives you the right to view more complete information that goes beyond the record of default and protests and returned checks.
It is possible to see, for example, the registration data held by associated companies, including the latest addresses and telephone numbers, to discover all consultations made to the CPF in the last 6 months and any credits granted, in addition to having access to information from the Judiciary. The platform also charges additional fees to display a person's participation in companies, and offers paid consultations to third party CNPJ and CPF.
SPC Brasil charges R $ 9.90 for the CPF consultation Photo: Reproduo / Paulo Alves
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