Serasa Experian is proposing to clear the names and rehabilitate 3.4 million people across Brazil, who owe an amount of R$ 7 billion to the banks Bradesco and Banco do Brasil. To this end, it signed an agreement with two of the largest credit recovery companies in the country, Ativo and Ipanema.
The first will be responsible for collecting debts totaling R$ 4 billion from the Banco do Brasil portfolio, contracted by 1 million users. Bradesco’s portfolio, totaling R$3 billion, will be managed by Ipanema, which intends to recover the debts of 2.4 million of the bank’s debtors.
According to the executive manager of Marketing at Serasa, Matheus Moura, according to Broadcast (real-time news system of Grupo Estado), those interested in negotiating their debts can do so through Serasa’s website or application. The best thing, according to him, is that the offer for debt renegotiation is also open to those who are in arrears and who have not yet had their name negative.
“Debt in arrears in Brazil, even if the borrower’s name is not yet dirty, accumulates interest”, explained the manager of Serasa. And, in this case, if the debtor anticipates the inclusion of his name in the defaulter registers, he ends up avoiding a series of administrative problems and even embarrassment. This is because the debtor avoids approaches from collectors or having to look for creditors, since he can renegotiate his debts digitally through Serasa’s “Clean Nome” platform.
And by making the agreement and paying the first installment, users who were negative until then leave their name dirty, are able to return to the credit market again and start to accumulate points (score) that will help them to receive better conditions of payment. interest on future transactions.
“The score reflects the customer’s financial life and while he pays the debt, he accumulates points again”, said Moura, adding that Serasa makes the connection between debtors who want to pay their debts and companies that want to receive, considering the importance of credit healthy for the growth of the country’s economy.
Another advantage of renegotiating debts, according to the manager of Serasa, is that, depending on the company and the time of the debt, the debtor gets discounts ranging from 70% to 90% of the debt. Among the conditions offered, the client can choose the one that best suits his budget, in order not to commit more than 30% of his monthly income, a percentage suggested by experts in personal finance.
Beware of Frauds
“Once the offer is defined, the user issues the payment slip and makes the payment through the most convenient means: bank branch, internet bank or lottery agency. If the offer is negative, the creditor institution must remove the name from the default list within five days after payment”, explains Serasa’s manager, warning people to take care to access the correct Serasa channels and avoid falling into scams.
“We reinforce that the only way for people to clear their names is to renegotiate the debt and Serasa does not charge the debtor for this. There are many malicious people taking advantage of a financial situation that is already difficult for people to take advantage”, warned Moura. .
According to him, Serasa sends emails and SMS messages only to people who have ever accessed and registered on the company’s website.
Every month, Serasa negotiates the debts of 1.5 million Brazilians through the Limpa Nome platform, where it is possible to consult the registered debts and available negotiations for free, in a process that does not usually take more than three minutes.
“The partnership with Ativos and Ipanema allows Serasa to further expand the range of Brazilians who can benefit from offers with special discounts and installment conditions”, says Juliana Solé Martello, business developer at Serasa Limpa Nome.