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A recent study by LCA Consultores showed how the Positive data in the United States, the United Kingdom, Germany, Belgium and Mexico, countries that have had success with its application.

With the exception of Germany, they have in common the automatic inclusion of the consumer in the Positive Register, without the need, as is the case in Brazil, for their express authorization.

The model of inclusion without prior authorization has reduced default rates, improving the conditions for granting credit. Because they face lower risks when lending, financial institutions reduce the interest they charge. And by improving the score, consumers are empowered to negotiate better with creditors.

In the United States, a simulation carried out by professors John Barron, from Purdue University, and Michael Staten, from the University of Arizona, found that the no use of data from the Positive Registry in the economy would generate an increase of 76% of the default.

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By: Elias Sfeir President of ANBC & Member of the Climate Council of the City of São Paulo & Certified Advisor