How to check CPF and score for free?

Find out how to check your CPF and score for free online!

Do you want to check your CPF and score for free without leaving your home?

Fortunately, this is possible! In fact, there are several ways to perform this query virtually.

With that in mind, in today’s article, we’re going to show you the best ways to check your CPF and score for free online.

Read on to find out more.

What is a credit score?

The credit score is a scoring system that ranges from 0 to 1,000.

It classifies consumers into categories based on their ability to pay their bills.

The score is used by credit protection agencies that help financial institutions to outline the risk profile of a given consumer so that they can offer certain credit opportunities.

The credit score is one of the main items evaluated when granting loans, financing and cards.

For this reason, it is very important to know how this process works and, of course, how to increase your score.

How to check CPF and score for free?

As you already know, it is possible to check your CPF and score for free.

And we're going to show you some ways to do that right now. Check it out!

How do I check my CPF?

Serasa

The first step is to access the Serasa website.

Then, enter your CPF number and click on “Check Now”. If this is your first time accessing the site, complete the registration form.

You will have to enter information such as name, CPF, date of birth, email and password.

You will need to verify via email or SMS. Choose one of the two options and confirm.

The code will be sent. Once you receive it, enter it and click “confirm code”.

Done! Now you will have all the information you need to check your CPF.

If you discover any pending issues, use the information to regularize the situation as soon as possible.

Internal Revenue Service

Checking your CPF on the Federal Revenue website is very simple.

To access proof of your CPF registration status, simply fill in this information and your date of birth on the revenue website.

Done! This way, you will know if your situation is regular.

Positive Consumer 

Just like Serasa, on the Consumidor Positivo website, you can check your CPF and score for free.

This way, if you have any pending issues, can negotiate your debts safely.

In addition, you will also be able to see how your consumer profile is analyzed by the market and discover some ways to increase your credit.

How do I check my score?

Having a good score is very important, especially if you want to apply for a credit card or take out a loan.

Therefore, we will show you some ways to check your score for free and in a practical way.

Serasa Score

Enter the score website.

Now, fill out the registration form. The score will appear on your screen.

In addition to the score, you can see the average score of people in your zip code and in the same age range.

Serasa Score is the best-known tool for carrying out this type of query.

Therefore, if you want to know what your score is, it is worth going to this website and registering.

SPC Brazil

You can access your SPC Score via the website or app.

The consultation is completely free and you can do it whenever you want.

If you have never entered the site SPC Brazil, it will be necessary to create access.

Main questions about credit score

Many Brazilians have doubts regarding their credit score.

So, why is this important? What needs to be done to increase your score?

To help you, we'll answer some of the most common questions consumers have. Take a look here:

How does credit score work?

The score, as we said, generally ranges from 1 to 1,000.

The higher this number, the greater your chances of getting credit.

Based on some information, such as SPC and Serasa records, income range and age, the system calculates the consumer's score.

If your score is low, your chances of getting credit decrease, as this usually means a high default rate.

• Up to 300 points: high risk of default

• Between 300 and 700 points: medium risk

• Above 700 points: low risk

Who can check your credit score?

Checking your score is easy to do.

This means that anyone who has some of your data at hand, such as your CPF, can carry out the query.

However, there are websites, such as Serasa, that allow consumers to block consultations for other people.

In any case, it is important to remember that if you are seeking credit, the inquiry must be open. After all, before institutions grant credit to the consumer, they will analyze the score.

Can the Positive Registry help with the Serasa Score?

Yes, because Serasa Score considers the positive data of that consumer who has an active Positive Registration.

Here, your entire credit history will be gathered, not just outstanding accounts.

The Positive Registry allows credit granting institutions to carry out an individual analysis of your history.

Is there a minimum score to get loans?

Each institution has its own policy and rules for approving the consumer's credit application.

This means that there is no exact score to have the loan application or approved credit card. However, there is no doubt that a high score increases the chances.

In any case, there is a possibility that a company will grant credit to people with a low score.

Is paying everything upfront good for your credit score?

Paying for everything in cash is, without a doubt, an excellent consumer habit.

However, as the name suggests, the credit score analyzes your credit habits. In other words, paying everything in cash does not affect your score.

Conclusion

We hope this article has helped you better understand the importance of this tool and answered your main questions on the subject!

Now you know how to check your CPF and score for free.

It is important to check this regularly. After all, your score may change when there is a change in your information.