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Source: Convergência Digital
The telecom are in Positive data. The entry of the telecom sector into the database will help promote the inclusion of Brazilians who do not have a bank account and are outside the credit market due to a lack of information for evaluation.
With the entry of the sector, payment information for telecommunications service bills will be included in the Cadastro Positivo database and will be taken into account by the credit bureaus (Boa Vista, Quod, Serasa and SPC) in the formation of scores for individuals and companies. This inclusion, which will significantly expand the Cadastro Positivo database, is in response to Positive Record Law which is two years old.
The president of the National Association of Credit Bureaus (ANBC), Elias Sfeir, celebrates the financial inclusion of around 13,15% of consumers of telecommunications services who might have had difficulty accessing credit because they were unbanked. The arrival of this data will democratize access to credit and could generate better contracting conditions for those who are in the habit of paying their bills regularly.
“The more information that is relevant to credit assessment, the greater the possibility that individuals and companies that were previously unable to be assessed will be seen and considered by the credit market. Therefore, the receipt of customer data from telecommunications operators is a positive measure for creditors, borrowers and the economy,” says Sfeir.
To date, around 53 million records of individuals and companies have been sent to credit bureaus by telecommunications operators and, of this volume, around 7 million records are completely new, i.e. they were not part of the first wave of information sent by financial institutions.
The CEO of Conexis Brasil Digital, Marcos Ferrari points out that the inclusion will mean an advance for credit analysis tools by including Brazilians who don't have a bank account. The credit bureaus expect new sectors to join the Positive Register, such as electricity utilities and sanitation and gas companies.
