With unemployment breaking records, many people are in debt and, therefore, it is quite common for them to have restrictions on their CPF. Therefore, today we will tell you how to find out if the CPF is negative and how to renegotiate debts to clear your name and get credit on the market again.
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The query to find out if there is any restriction on the CPF is very simple and can be done quickly over the internet, on the Serasa website. Simply access the page, click on the “Consulter CPF” option, enter your registration number and click on “Continue”. Soon after, you will have the answer.
There are other ways to carry out the consultation. You can download the Serasa application, access the website or download the SPC Brasil application, the Boa Vista SCPC website or call the free number 0800 591 1222.
People with a negative CPF can hardly apply for credit cards, loans, financing, among other things. Therefore, try to renegotiate the debt directly with the company you owe or through alternatives such as Serasa Limpa Nome or fairs promoted by Procon, carried out to favor the negotiation between debtors and institutions.
You can clear your name through Serasa Limpa Nome. In it, there are some discounts and easy payment methods so you can regularize your situation. The site is very secure and simple to use.
When faced with a renegotiation proposal, only accept agreements that you can really fulfill without delaying the payments, because once you do not comply with the agreement, you may not get the same conditions in a new one negotiation.
There is a deadline for which the debt can no longer be collected, however, they vary according to the type of debt. In this sense, the most common terms are 3 and 5 years. Among those that prescribe after 3 years are promissory notes, real estate rentals, bills of exchange, among others.
Common debts, which prescribe after 5 years, are: some taxes such as IPVA, Income Tax and IPTU, traffic, energy and water bills, condominium fees, health insurance, school fees, consortium and credit card credit.