When you Check SPC/Serasa, you gain a clear view of your financial standing and credit history.
The official app allows you to access your score, debts, and alerts securely with just a few taps.
It’s a fast and safe way to stay updated on your credit and protect your financial reputation.
What Are SPC and Serasa?
SPC (Serviço de Proteção ao Crédito) and Serasa are Brazil’s main credit protection agencies.
They collect and store financial data from banks, stores, and service providers to evaluate consumer credit behavior.
When you check SPC/Serasa, you can see your score, payment history, and any outstanding debts linked to your CPF.
Why You Should Check Your Credit Regularly
Checking your credit regularly helps you maintain control over your financial life.
It’s not just about knowing your score — it’s about preventing problems before they affect your reputation or loan approvals.
Here are the main reasons why you should check SPC/Serasa regularly:
- Detect identity fraud early: Spot unauthorized accounts or false debts in your name.
- Track your financial health: Understand how your spending and payments impact your score.
- Plan future credit applications: Prepare for loans or financing with accurate, updated data.
- Resolve issues quickly: Address negative records or disputes before they harm your credit.
- Stay informed: Regular checks help you make more informed financial decisions and avoid surprises.
Downloading the Official Serasa App
To check SPC/Serasa safely, you need to use only the official Serasa app.
Downloading it from trusted sources ensures that your personal data and CPF remain protected. Follow these steps to install it correctly:
- Go to the official store: Open Google Play (Android) or the App Store (iOS).
- Search for “Serasa: Consultar CPF e Score”: Make sure the developer listed is Serasa Experian.
- Tap “Install”: Wait for the download to complete and confirm installation.
- Open the app: Allow permissions for notifications and updates.
- Verify authenticity: Check for the Serasa logo and avoid look-alike or third-party apps.
Creating or Accessing Your Account
To check SPC/Serasa in the official app, you first need to create an account or log in to your existing one.
The process is straightforward and takes only a few minutes. Follow these steps to get started:
- Open the Serasa app: Tap on “Entrar ou Criar Conta” on the home screen.
- Enter your CPF and email: Use accurate personal details to avoid verification issues.
- Create a secure password: Use at least eight characters, mixing numbers and letters.
- Verify your identity: Confirm your email or phone number with the code sent by Serasa.
- Log in: Once verified, sign in and access your dashboard to start checking your score and debts.
Checking Your Credit Score
Knowing your credit score helps you understand how lenders view your financial reliability.
The Serasa app makes it easy to see where you stand and what influences your score. Follow these steps to check it:
- Open the app and log in: Use your registered CPF and password.
- Go to the “Score” section: Tap the main dashboard or select “Meu Score” from the menu.
- View your score range: The score typically ranges from 0 to 1000, indicating your level of reliability.
- Understand the colors: Green means good, yellow is moderate, and red indicates high risk.
- See what affects your score: Review payment history, debt records, and inquiries listed in your profile.
Viewing Negative Debts or Restrictions
Knowing if you have any negative debts or restrictions helps you take control of your financial situation.
The Serasa app displays all registered debts associated with your CPF and provides options to manage them efficiently. Follow these steps to check your records:
- Log in to your account: Use your CPF and password to access the main dashboard.
- Select “Pendências” or “Dívidas”: These sections list all open debts and restrictions.
- View details of each entry: Check the creditor’s name, debt amount, and registration date.
- Look for negotiation options: Tap “Negociar” or “Limpa Nome” to see available settlement offers.
- Track resolved debts: Once paid, the app updates your records and removes restrictions within a few days.
Disputing Incorrect Information
Sometimes, your credit report may show incorrect or outdated information.
The Serasa app allows you to dispute these errors directly, ensuring your record stays accurate. Follow these steps to submit a correction request:
- Access your account: Log in to the Serasa app using your CPF and password.
- Go to the “Ajuda” or “Suporte” section: Look for options like “Contestar Informação” or “Corrigir Dados.”
- Select the incorrect record: Tap the debt or data entry you believe is wrong.
- Attach supporting documents: Upload proof such as payment receipts or settlement confirmations.
- Submit the request: Confirm your dispute and wait for Serasa to review it, which typically takes a few business days.
Improving Your Credit Score
Improving your credit score takes consistency and responsible financial habits.
The Serasa app helps you track your progress and identify areas for improvement. Here are practical steps you can follow to raise your score:
- Pay bills on time: Late payments can quickly lower your score, so set reminders or enable automatic payments.
- Reduce outstanding debts: Keep your credit card balances and loans within your payment capacity.
- Avoid unnecessary new credit: Applying for multiple loans or credit cards at once can make you appear riskier to lenders.
- Keep your CPF active and updated: Regular activity and accurate personal data help maintain your reliability.
- Monitor your score regularly: Use the app to track changes and understand how your actions affect your rating.
Using Additional Tools in the App
The Serasa app offers more than just your credit score — it includes tools to help you manage and improve your financial life.
These features make it easier to stay organized and take action when needed. Here are some valuable tools you can explore:
- CPF monitoring and alerts: Receive notifications about any new debts or suspicious activities linked to your CPF.
- Debt negotiation (Limpa Nome): Access exclusive offers to settle debts with discounts and flexible payment terms.
- Score simulator: Learn how specific financial actions, like paying off debts, can change your score.
- Financial education resources: Read short guides and articles to understand credit better.
- Partner offers and benefits: Discover financial products, loans, or cards that match your profile and score.
Contacting Official Support
If you need help using the Serasa app or have issues with your account, you can contact official support through verified channels.
Using only official communication methods keeps your personal data safe. Here are the trusted ways to reach Serasa’s customer service:
- In-app support: Open the Serasa app, go to “Ajuda” or “Suporte,” and start a chat with a verified representative.
- Official website: Visit www.serasa.com.br and use the “Fale Conosco” (Contact Us) section.
- Email support: Send verified inquiries to contato@serasa.com.br, the official email for customer assistance.
- Phone support: Call 0800 591 1222, available Monday to Saturday, from 8 a.m. to 8 p.m. (Brasília time).
- Social media (verified only): Contact Serasa through their official accounts, marked with the blue verification badge, on Instagram, Facebook, or X (formerly Twitter).
To Sum Up
Staying informed about your financial status is crucial for maintaining a strong credit record.
When you Check SPC/Serasa, you gain full visibility of your score, debts, and payment history in one secure place.
Download the official Serasa app today and check SPC/Serasa to manage your credit with confidence and ease.
