Mito ou verdade: O nome fica limpo após 5 anos no SPC e Serasa?
Ter o nome limpo nesses órgãos é importante para que o usuário tenha acesso a ofertas de empréstimos, financiamentos ou cartão de crédito mais vantajosas no mercado financeiro.
Os serviços de proteção ao crédito, como o SPC, Serasa e Boa Vista, utilizam informações de adimplência e inadimplência, tanto de pessoas físicas quanto jurídicas para fins de decisão sobre crédito.
Ter o nome limpo nesses órgãos é importante para que o usuário tenha acesso a ofertas de empréstimos, financiamentos ou cartão de crédito mais vantajosas no mercado financeiro.
Boa parte das instituições financeiras também utilizam dessas informações para conhecer os hábitos de compra do indivíduo. Caso o nome esteja na lista de devedores, a liberação ao crédito se torna quase impossível.
O nome fica limpo após 5 anos no SPC e Serasa?
A resposta é sim! Mas, há ressalvas. Caso um devedor tenha seu nome nos referidos órgãos por alguma dívida há mais de cinco anos, seu CPF não ficará visível nas listas de restrições.
Contudo, os débitos vencidos continuarão existindo e sendo cobrados, assim como eventuais ações jurídicas. Isso porque apenas o nome deixa de constar.
Se o devedor possui outras dívidas, e com tempo menor de inadimplência, o cadastro ainda será evidenciado nas listas.
É importante lembrar que a inadimplência — não pagamento de uma conta ou dívida —, dependendo do caso, pode prescrever em crime depois de um determinado período de tempo.
Dicas para sair da negativação
Uma dica para sair de uma vez por todas da lista de negativados é se esforçar em conseguir uma renda, principalmente se estiver desempregado.
Com um fluxo de rendimento mensal, fica mais fácil reorganizar a vida financeira e traçar estratégias para quitar as dívidas e ter o nome limpo nos órgãos de crédito.
Outra alternativa é separar 10% da renda para esse fim e buscar serviços de apoio ao inadimplente, como o Feirão Serasa Limpa Nome, que oferece oportunidades de quitar dívidas em diversas empresas e com descontos de até 90% do valor.
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