Did you buy it, were you unable to pay and received a restriction on your behalf at SPC Serasa? First, know that these things happen, and that there are several reasons why some people need to resort to credit.
However, in fact, having a negative name involves several losses when buying, such as opening bank accounts. Therefore, today we bring an explanation about the possibility of clear name in SPC even without counting the money to pay off the debt.
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There are cases in which the restriction on the name is due to undue causes, or errors. So if this is your case, know that it is possible to appeal or even transfer the debt to the actual debtor.
That is, if there is fraud, as in the case of stolen data, card or checks, it is possible to go to the Serasa Limpa Nome website and report it. Or, if you notice that there is a higher interest rate than you should, then you will need to go to a lawyer. In this way, it will be possible to request a debt review and clear the name in the SPC.
This is the most common case, especially in Brazil where there is such a high unemployment rate. In this scenario, you can wait until the stipulated period for your name to be removed from the negative list. That's because names can only remain restricted for a maximum of five years.
This does not mean that the debt ceases to exist. Collectors can even proceed with the charges and even file legal proceedings to get the payment. However, the debt will no longer weigh on you when trying to open credit or a bank account. However, the safest method is to pay off debts, to avoid headaches with the court system or hassle with creditors.
