{"id":3032,"date":"2024-03-19T18:53:47","date_gmt":"2024-03-19T18:53:47","guid":{"rendered":"http:\/\/anbc.org.br\/?page_id=3032"},"modified":"2025-01-24T18:03:48","modified_gmt":"2025-01-24T18:03:48","slug":"faq","status":"publish","type":"page","link":"https:\/\/anbc.org.br\/en\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><section data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" data-vc-parallax-image=\"https:\/\/anbc.org.br\/wp-content\/themes\/genemy\/images\/banner-1.jpg\" data-opacity=\"1\" data-size=\"cover\" data-width=\"100%\" data-position=\"cover\" data-repeat=\"cover\" data-attachment=\"inherit\" class=\"vc_section wide-60 bg-tra m-top-default m-bottom-default p-top-default p-bottom-default vc_custom_1705004699980 bg-inherit\"><div class=\"container\"><div class=\"vc_row wpb_row vc_row-fluid genemy-default bg-tra vc_custom_1705004809308\"><div class=\"wpb_column vc_column_container vc_col-sm-2 bg-tra\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-8 bg-tra\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div  class=\"vc_wp_search wpb_content_element\"><div class=\"widget widget_search\"><div id=\"search-field\" class=\"search-widget\">\r\n    <form action=\"https:\/\/anbc.org.br\/en\/\"  role=\"search\" method=\"get\" id=\"searchform\" class=\"search-form\" data-trp-original-action=\"https:\/\/anbc.org.br\/en\/\">  \r\n        <div class=\"input-group mb-3\">\r\n\t\t  \t<input class=\"form-control\" placeholder=\"Enter your search here...\" aria-label=\"Search\" aria-describedby=\"search-field\" type=\"text\" name=\"s\" value=\"\">\r\n\t\t \t<div class=\"input-group-append\">\r\n\t\t    \t<button class=\"btn btn-lightgreen1\" type=\"submit\"><i class=\"fa fa-search\" aria-hidden=\"true\"><\/i><\/button>\r\n\t\t \t<\/div>\r\n\t\t<\/div>\r\n    <input type=\"hidden\" name=\"trp-form-language\" value=\"en\"\/><\/form>\r\n<\/div>\r\n\r\n\t\t\t\t\t\t\t\t\r\n\t\r\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-2 bg-tra\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><\/div><\/div><\/section><div class=\"vc_row-full-width vc_clearfix\"><\/div><div class=\"vc_row wpb_row vc_row-fluid genemy-default bg-tra\"><div class=\"wpb_column vc_column_container vc_col-sm-12 bg-tra\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\r\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left\">\r\n\t\t\r\n\t\t<figure class=\"wpb_wrapper vc_figure\">\r\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\" ><img decoding=\"async\" class=\"vc_single_image-img img-fluid\"  src=\"https:\/\/anbc.org.br\/wp-content\/uploads\/2024\/04\/banner-faq.webp\" \/><\/div>\r\n\t\t<\/figure>\r\n\t<\/div>\r\n<\/div><\/div><\/div><\/div><section id=\"blog\" data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" data-vc-parallax-image=\"https:\/\/anbc.org.br\/wp-content\/themes\/genemy\/images\/banner-1.jpg\" data-opacity=\"1\" data-size=\"cover\" data-width=\"100%\" data-position=\"cover\" data-repeat=\"cover\" data-attachment=\"inherit\" class=\"vc_section wide-60 bg-white m-top-default m-bottom-default p-top-default p-bottom-default vc_custom_1702769671289 bg-inherit\"><div class=\"container\"><div class=\"vc_row wpb_row vc_row-fluid genemy-default bg-tra\"><div class=\"wpb_column vc_column_container vc_col-sm-12 bg-tra\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"row\">\t\r\n\t<div class=\"section-title text-center col-lg-10 offset-lg-1\">\r\n\t\t\t\t\t\t\t\r\n\t\t\t<h3 class=\"h3-xl\" style=\"font-family: 'Montserrat'; font-size: 1.8rem;\">Questions and answers<\/h3>\r\n\t\t\t\t<p class=\"p-lg Default-color\" style=\"font-size: 1.2rem;\">Ask your questions about the Cadastro positivo, credit bureaus and more.\t\t<\/p>\t\t\r\n\t<\/div>\t\t\r\n<\/div> \t <!-- END SECTION TITLE -->\t<div class=\"vc_empty_space\"   style=\"height: 45px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid genemy-default bg-tra\"><div class=\"wpb_column vc_column_container vc_col-sm-12 bg-tra\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div  class=\"vc_do_toggle vc_toggle vc_toggle_round vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h3 style=\"font-size: 21px;color: #000000;text-align: left\" class=\"vc_custom_heading vc_do_custom_heading\" >1. What is the Positive Register?<\/h3><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>The Positive Registry, instituted by Law No. 12,414\/2011, amended by Complementary Law No. 166\/2019 and regulated on July 24, 2019 by Decree No. 9,936\/19, is a database with information on the credit and financial obligations, paid off or in progress, of individuals and companies.<\/p>\n<\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 20px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_round vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h3 style=\"font-size: 21px;color: #000000;text-align: left\" class=\"vc_custom_heading vc_do_custom_heading\" >2. What is the Cadastro Positivo for?<\/h3><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>The Cadastro Positivo brings together a consumer's credit history, such as: financing, credit cards, loans with banks, commerce and other monthly bills, such as water, electricity and telephone. It allows companies that grant credit to make an individual and more accurate assessment of each consumer's credit history. In this way, they can identify good payers who are looking for credit and therefore deserve to have access to it. The logic is simple: less interest on loans and financing for those who offer it and less risk of default.<\/p>\n<\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 20px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_round vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h3 style=\"font-size: 21px;color: #000000;text-align: left\" class=\"vc_custom_heading vc_do_custom_heading\" >3. How does the new Cadastro Positivo model work?<\/h3><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>Once the new format, established by complementary law no. 166\/2019, comes into force, consumers will be able to have a credit score calculated that is more comprehensive than the previous model, as it includes, for example, water, electricity and telephone bills. With this score, it is hoped that those registered who are good payers will be able to claim lower interest rates and that companies will be able to grant this reduction, because they will be able to make a more accurate financial risk analysis and with a greater likelihood of default. The new Cadastro Positivo model is also known as \"opt-out\", which means that consumers join automatically and can choose to cancel their membership.<\/p>\n<\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 20px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_round vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h3 style=\"font-size: 21px;color: #000000;text-align: left\" class=\"vc_custom_heading vc_do_custom_heading\" >4. What is a credit note?<\/h3><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>The credit rating, a score generally from zero to one thousand given to each consumer, is the result of an analysis of the payment habits and relationship of groups of consumers with the market. It is thus equivalent to a financial resume: the higher the score, the more likely it is that that group of consumers will honor their financial commitments on time. The credit score is the first level of information offered to the market about the consumer in possible business deals or credit concessions and can be used to negotiate lower interest rates.<\/p>\n<\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 20px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_round vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h3 style=\"font-size: 21px;color: #000000;text-align: left\" class=\"vc_custom_heading vc_do_custom_heading\" >5. How can consumers increase their credit rating?<\/h3><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>Settling overdue debts that have put a consumer's name in bad standing is essential to increasing their score. Avoiding late payment of bills such as invoices and boletos is also essential. The Cadastro Positivo benefits those who keep their payments on time.<\/p>\n<\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 20px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_round vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h3 style=\"font-size: 21px;color: #000000;text-align: left\" class=\"vc_custom_heading vc_do_custom_heading\" >6. Is all the data protected?<\/h3><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>Yes. Credit protection databases are responsible for the security of the information they store. The Cadastro Positivo legislation only allows the storage of information that is relevant to the credit analysis of the registered consumer, expressly prohibiting the use of sensitive or excessive information. The information stored will be used to draw up credit scores, and consultation of the complete history by third parties will depend on the consumer's authorization, provided that they maintain or intend to maintain a commercial or credit relationship with the registered consumer and respect the purposes set out in the law for the use of the information. The consumer's privacy is therefore maintained and deviations from this procedure are subject to penalties.<\/p>\n<\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 20px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_round vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h3 style=\"font-size: 21px;color: #000000;text-align: left\" class=\"vc_custom_heading vc_do_custom_heading\" >7. What happens to people who have their name blacklisted?<\/h3><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>Even those with a negative name can join the Positive Register, because the positive database takes into account the history of obligations paid or in progress and not just any delays or non-payment. Consumers will be able to see this when negotiating an installment purchase, a loan or a mortgage.<\/p>\n<\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 20px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_round vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h3 style=\"font-size: 21px;color: #000000;text-align: left\" class=\"vc_custom_heading vc_do_custom_heading\" >8. When does the new Positive Register come into force?<\/h3><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>Sanctioned by the President of the Republic on April 8, the new Positive Registry was published in the Official Gazette on April 9 and comes into force 91 days after publication.<\/p>\n<\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 20px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_round vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h3 style=\"font-size: 21px;color: #000000;text-align: left\" class=\"vc_custom_heading vc_do_custom_heading\" >9. When will consumers and companies begin to feel the impacts of the new Positive Registry?<\/h3><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>The timing or even whether or not the consumer's credit risk assessment will change with the inclusion of positive information will vary from case to case. These changes depend on the amount of information received, its relevance in relation to the information already considered in the databases, whether the new information indicates a greater likelihood of default or not, among other factors. In the case of a consumer whose lack of information negatively impacts their credit score, for example, the inclusion of payment information can have an immediate impact on the score calculation. The time it takes for the market to feel the impacts of the new Positive Registry may also vary, but there is potential for the Positive Registry to bring benefits to the market from the moment it comes into force. The Central Bank will carry out an evaluation 24 months after the law's publication to generate a report on the results achieved with the changes to the Positive Registry.<\/p>\n<\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 20px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_round vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h3 style=\"font-size: 21px;color: #000000;text-align: left\" class=\"vc_custom_heading vc_do_custom_heading\" >10. What are the advantages of the Positive Register?<\/h3><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>The new Cadastro Positivo model has many advantages, but in particular, it will enable the financial inclusion of many Brazilians who today do not have access to credit, loans and financing because they do not have proven income, but who pay their obligations on time and will be able to show this to the financial system through the Cadastro Positivo. For those who already have access to credit, the new model could expand supply and reduce interest rates. The new scenario could lead to increased competition, with the entry of competitors with new products and services, and a reduction in defaults, which could lead to fairer interest rates.<\/p>\n<\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 20px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_round vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h3 style=\"font-size: 21px;color: #000000;text-align: left\" class=\"vc_custom_heading vc_do_custom_heading\" >11. Who will have access to consumer and company data?<\/h3><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>The credit bureaus that manage the Cadastro Positivo databases, such as Boa Vista, Quod, Serasa Experian, SPC Brasil and TransUnion, will receive the information from the Sources, which are the companies that carry out business and credit operations with consumers and companies. The credit bureaus will be able to use the positive information to compose the consumer's credit score and will be able to make it available to consulting individuals or companies (e.g. retailers, financial institutions and banks) that have a commercial relationship or are evaluating granting credit or commercial transactions to the registered person. Consultation of the Cadastro Positivo's complete history will depend on the consumer's authorization.<\/p>\n<\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 20px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_round vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h3 style=\"font-size: 21px;color: #000000;text-align: left\" class=\"vc_custom_heading vc_do_custom_heading\" >12. Which companies send data to the Cadastro Positivo?<\/h3><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>Individuals or legal entities that grant credit, manage self-financing operations or carry out installment sales or other commercial and business transactions that involve financial risk, such as financial institutions, finance companies and providers of ongoing services such as telecommunications, sanitation, energy and gas, for example, must send data to the Positive Register.<\/p>\n<\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 20px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_round vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h3 style=\"font-size: 21px;color: #000000;text-align: left\" class=\"vc_custom_heading vc_do_custom_heading\" >13. What kind of data will be available relating to consumers and companies?<\/h3><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>This will include credit information, such as loans, invoices, financing and credit. In addition, consumer bills such as water, gas, electricity and telephone will also be used in the Positive Register. Information on goods purchased is not included in the report, only the total amount and the installments of the payment obligation with the respective start and due dates are taken into account, as well as information confirming that the obligation has been paid and the date of payment.<\/p>\n<\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 20px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_round vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h3 style=\"font-size: 21px;color: #000000;text-align: left\" class=\"vc_custom_heading vc_do_custom_heading\" >14. How do consumers or companies access their own data in the Positive Register?<\/h3><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>Any individual or legal entity registered in the Positive Registry can consult all the information held on them in the databases. Access, which is free of charge, can be requested from credit bureaus such as Boa Vista, Quod, Serasa Experian, SPC Brasil and TransUnion. This request can be made through any of the service channels provided by the bureaus (e.g. in person or electronically), and can be answered within ten days of the request.<\/p>\n<\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 20px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_round vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h3 style=\"font-size: 21px;color: #000000;text-align: left\" class=\"vc_custom_heading vc_do_custom_heading\" >15. About an individual or company already registered with a credit bureau. Do they need to apply for registration with the other databases?<\/h3><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>No. When the new model comes into force, once one of the database managers has opened the Positive Register for a given individual, the others will also be authorized to do so, without the need for further communication to the registrant.<\/p>\n<\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 20px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_round vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h3 style=\"font-size: 21px;color: #000000;text-align: left\" class=\"vc_custom_heading vc_do_custom_heading\" >16. There is incorrect information in the register. How can I change it?<\/h3><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>The registered person can ask any credit bureau or data source to correct any information about them that has been wrongly entered in the databases. The information must be corrected within 10 days of the request.<\/p>\n<\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 20px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_round vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h3 style=\"font-size: 21px;color: #000000;text-align: left\" class=\"vc_custom_heading vc_do_custom_heading\" >17. How do consumers or companies remove their names from the Positive Register?<\/h3><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>Consumers who wish to remove their name from the Positive Register can do so at any time, simply by formally requesting their exclusion from the service channels of any credit bureau. The credit bureau that receives the request for exclusion from the Positive Register is obliged to respond to it and share it with the other bureaus so that they can also respond to it, within 2 working days. <a href=\"https:\/\/anbc.org.br\/en\/17_12_2024_CANCELAMENTO%20CP_brasilnopositivo.pdf\/\" target=\"_blank\" rel=\"noopener\">Click here to find out how to cancel your positive registration.<\/a><\/p>\n<\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 20px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_round vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h3 style=\"font-size: 21px;color: #000000;text-align: left\" class=\"vc_custom_heading vc_do_custom_heading\" >18. What happens to the registers that already existed before the changes promoted by complementary law no. 166\/2019?<\/h3><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>If the consumer or company already has an open Positive Record, the record will remain active and the credit history information will continue to be stored and shared as normal. As they have already consented to the use of this information, no new communication will be necessary.<\/p>\n<\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 20px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_round vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h3 style=\"font-size: 21px;color: #000000;text-align: left\" class=\"vc_custom_heading vc_do_custom_heading\" >19. What happens if the consumer or company removes their name from the Positive Register?<\/h3><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>If the registrant eventually requests to be removed from the Positive Register, the database will no longer receive any positive information about them and, consequently, the companies that are going to grant them credit may have access to less information, checking only whether or not they have any negative debts, for example. As a result, the company may be more likely to refuse or grant you credit at higher interest rates, as it may have insufficient information for financial risk analysis or only have access to the bills you have failed to pay.<\/p>\n<\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 20px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_round vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h3 style=\"font-size: 21px;color: #000000;text-align: left\" class=\"vc_custom_heading vc_do_custom_heading\" >20. An individual or company has received notice that their data has been entered into the credit bureau database. How do I remove them?<\/h3><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>Consumers or companies can express their wish not to be included in the Positive Register even before they receive the notice that their registration has been opened. If the consumer or company has already received notice of the opening of the register and does not want their data to remain in the Positive Register, they can simply ask to have it removed at any time. All credit bureaus must inform you of the channels available for requesting cancellation of the register, free of charge. When a database manager requests cancellation, he or she must inform the other managers of the consumer's decision not to participate in the Cadastro Positivo.<\/p>\n<\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 20px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_round vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h3 style=\"font-size: 21px;color: #000000;text-align: left\" class=\"vc_custom_heading vc_do_custom_heading\" >21. Can I be harmed by the Positive Register?<\/h3><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>The purpose of the Positive Register is to benefit consumers who have a good credit history, so that they have access to fairer rates and better conditions when applying for loans or financing goods. That's why it's important to keep your payments up to date so that the inclusion of positive information can benefit your credit risk analysis for the market.<\/p>\n<\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div>\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>1. Law 12.414\/2011 has been amended and, as of July 9, 2019, the inclusion to the\u00a0<strong>Positive data<\/strong>\u00a0will be automatic for all individuals and companies that have loans, financing, installment purchases or consumer bills such as electricity and telephone.<\/p>\n<p>2. Since 09\/04\/2019, anyone who doesn't want to be part of the\u00a0<strong>Positive data<\/strong>\u00a0you can now request the cancellation free of charge, by telephone, physical or electronic means, through the specific service channels of any of the credit bureaus, the managers of the\u00a0<strong>Positive data<\/strong>.<\/p>\n<p>3. The credit bureau that receives the exclusion request is obliged to respond to it and share it with the other bureaus so that they can also respond to it, within 2 working days.<\/p>\n<p>4. For more information see the full text of the law:\u00a0<a title=\"Click here\" href=\"http:\/\/www.planalto.gov.br\/ccivil_03\/_ato2011-2014\/2011\/lei\/l12414.htm\" target=\"_blank\" rel=\"noopener noreferrer\">click here<\/a><\/p>\n<p>&nbsp;<\/p>\n<p><strong><a href=\"https:\/\/anbc.org.br\/en\/about-anbc\/\" target=\"_blank\" rel=\"noopener\">Get to know ANBC, click here.<\/a><\/strong><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section><div class=\"vc_row-full-width vc_clearfix\"><\/div><div class=\"vc_row wpb_row vc_row-fluid genemy-default bg-tra\"><div class=\"wpb_column vc_column_container vc_col-sm-12 bg-tra\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"Perguntas e respostas Tire suas d\u00favidas a respeito do Cadastro positivo, bir\u00f4s de cr\u00e9dito e mais. 1. O que \u00e9 o Cadastro Positivo?O Cadastro Positivo, institu\u00eddo pela lei n\u00ba 12.414\/2011, alterado pela lei complementar n\u00ba 166\/2019 e regulamentado em 24...","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/onepage-template.php","meta":{"_seopress_titles_title":"FAQ Cadastro Positivo","_seopress_titles_desc":"FAQ Tire suas d\u00favidas a respeito do Cadastro positivo, bir\u00f4s de cr\u00e9dito e mais.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"both","_seopress_redirections_param":"","_seopress_redirections_type":301,"_seopress_analysis_target_kw":"FAQ","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[{"url":"","title":"","desc":"","thumbnail":"","duration":"","rating":"","view_count":"","tag":""}],"_seopress_pro_schemas_manual":[{"_seopress_pro_rich_snippets_type":"faq","_seopress_pro_rich_snippets_faq":{"0":{"question":"O que \u00e9 o Cadastro Positivo?","answer":"O Cadastro Positivo, institu\u00eddo pela lei n\u00ba 12.414\/2011, alterado pela lei complementar n\u00ba 166\/2019 e regulamentado em 24 de julho de 2019 por meio do Decreto9936\/19, \u00e9 uma base de dados com informa\u00e7\u00f5es relativas a cr\u00e9dito e obriga\u00e7\u00f5es financeiras, quitadas ou em andamento, de pessoas f\u00edsicas e jur\u00eddicas."},"2":{"question":"Para que serve o Cadastro Positivo?","answer":"O Cadastro Positivo re\u00fane o hist\u00f3rico de cr\u00e9dito do consumidor, como: financiamentos, cart\u00f5es de cr\u00e9dito, empr\u00e9stimos com bancos, com o com\u00e9rcio e outras contas mensais, como \u00e1gua, luz e telefone. Ele permite \u00e0s empresas que concedem cr\u00e9dito uma avalia\u00e7\u00e3o individual e mais precisa do hist\u00f3rico de cr\u00e9dito de cada consumidor. Dessa forma, essas empresas podem identificar quem s\u00e3o os bons pagadores que buscam cr\u00e9dito e que, por isso, merecem ter acesso a ele. A l\u00f3gica \u00e9 simples: menos juros nos empr\u00e9stimos e financiamentos para quem oferece e menor risco de inadimpl\u00eancia."},"3":{"question":"Como funciona o novo modelo do Cadastro Positivo?","answer":"A partir da vig\u00eancia do novo formato, institu\u00eddo pela lei complementar n\u00ba 166\/2019, o consumidor poder\u00e1 ter uma nota de cr\u00e9dito calculada mais abrangente em rela\u00e7\u00e3o ao modelo anterior, pois inclui, por exemplo, contas de \u00e1gua, luz e telefone. Com essa nota, espera-se que os cadastrados que s\u00e3o bons pagadores possam pleitear taxas de juros mais baixas e que as empresas possam conceder essa redu\u00e7\u00e3o, porque poder\u00e3o fazer uma an\u00e1lise de risco financeiro mais precisa e com maior probabilidade de adimpl\u00eancia. O novo modelo do Cadastro Positivo \u00e9 tamb\u00e9m conhecido como \u201copt-out\u201d, ou seja, a ades\u00e3o do consumidor \u00e9 autom\u00e1tica e ele poder\u00e1 optar por solicitar seu cancelamento."},"4":{"question":"O que \u00e9 nota de cr\u00e9dito?","answer":"A nota de cr\u00e9dito, uma pontua\u00e7\u00e3o geralmente de zero a mil dada a cada consumidor, \u00e9 resultado de uma an\u00e1lise dos h\u00e1bitos de pagamento e do relacionamento de grupos de consumidores com o mercado. Equivale, assim, ao curr\u00edculo financeiro: quanto mais alta a pontua\u00e7\u00e3o, maior a probabilidade de que aquele grupo de consumidores honre seus compromissos financeiros em dia. A pontua\u00e7\u00e3o de cr\u00e9dito ou nota de cr\u00e9dito, tamb\u00e9m chamada de score, \u00e9 o primeiro n\u00edvel de informa\u00e7\u00e3o oferecido ao mercado a respeito do consumidor em eventuais realiza\u00e7\u00f5es de neg\u00f3cio ou concess\u00f5es de cr\u00e9dito e pode ser usada para negociar taxas de juros menores."},"5":{"question":"Como o consumidor pode aumentar sua nota de cr\u00e9dito?","answer":"Regularizar d\u00edvidas atrasadas que tenham negativado o nome do consumidor \u00e9 essencial para aumentar a pontua\u00e7\u00e3o. Evitar atrasos no pagamento de contas como faturas e boletos tamb\u00e9m \u00e9 fundamental. O Cadastro Positivo beneficia aqueles que mant\u00eam a pontualidade nos pagamentos."},"6":{"question":"Os dados estar\u00e3o todos protegidos?","answer":"Sim. Os bancos de dados de prote\u00e7\u00e3o ao cr\u00e9dito s\u00e3o respons\u00e1veis pela seguran\u00e7a das informa\u00e7\u00f5es armazenadas. A legisla\u00e7\u00e3o do Cadastro Positivo permite o armazenamento apenas das relevantes para a an\u00e1lise de cr\u00e9dito do consumidor cadastrado, vedando expressamente o uso de informa\u00e7\u00f5es sens\u00edveis ou excessivas. As informa\u00e7\u00f5es armazenadas servir\u00e3o para elabora\u00e7\u00e3o das notas de cr\u00e9dito ou score e, sendo que a consulta ao hist\u00f3rico completo por terceiros depender\u00e1 de autoriza\u00e7\u00e3o do consumidor, desde que estes mantenham ou pretendam manter rela\u00e7\u00e3o comercial ou credit\u00edcia com o cadastrado e respeitem as finalidades previstas na lei para o uso das informa\u00e7\u00f5es. Mant\u00e9m-se, portanto, a privacidade do consumidor e desvios nesse procedimento est\u00e3o sujeitos a penalidades."},"7":{"question":"O que acontece com quem tem nome negativado?","answer":"Mesmo quem est\u00e1 com o nome negativado pode integrar o Cadastro Positivo, pois o banco de dados positivos considera o hist\u00f3rico de obriga\u00e7\u00f5es pagas ou em andamento e n\u00e3o somente eventuais atrasos ou falta de pagamento. O consumidor poder\u00e1 perceber isso quando for negociar uma compra a prazo, um empr\u00e9stimo ou um financiamento."},"8":{"question":"Quando o novo cadastro positivo come\u00e7a a valer?","answer":"Sancionado pelo presidente da Rep\u00fablica em 8 de abril, o novo Cadastro Positivo foi publicado no Di\u00e1rio Oficial em 9 de abril e entra em vigor 91 dias ap\u00f3s a publica\u00e7\u00e3o."},"9":{"question":"Quando os consumidores e as empresas come\u00e7ar\u00e3o a sentir os impactos do novo cadastro positivo? ","answer":"O tempo ou mesmo se a avalia\u00e7\u00e3o de risco de cr\u00e9dito do consumidor mudar\u00e1 ou n\u00e3o com a inclus\u00e3o de informa\u00e7\u00f5es positivas variar\u00e1 caso a caso. Essas altera\u00e7\u00f5es dependem da quantidade de informa\u00e7\u00f5es recebidas, sua relev\u00e2ncia em rela\u00e7\u00e3o \u00e0s informa\u00e7\u00f5es j\u00e1 consideradas nas bases de dados, se as novas informa\u00e7\u00f5es indicam uma maior probabilidade de adimplemento ou n\u00e3o, dentre outros fatores. No caso de um consumidor cuja aus\u00eancia de informa\u00e7\u00f5es impacta negativamente a sua nota de cr\u00e9dito, por exemplo, a inclus\u00e3o de informa\u00e7\u00f5es de pagamento pode impactar no c\u00e1lculo da nota de forma imediata. O tempo para que o mercado sinta os impactos do novo Cadastro Positivo tamb\u00e9m pode variar, mas h\u00e1 potencial para que o Cadastro Positivo traga benef\u00edcios ao mercado desde a sua entrada em vigor. O Banco Central far\u00e1 uma avalia\u00e7\u00e3o 24 meses ap\u00f3s a publica\u00e7\u00e3o da lei para gerar um relat\u00f3rio com os resultados alcan\u00e7ados com as altera\u00e7\u00f5es no Cadastro Positivo."},"10":{"question":"Quais as vantagens do cadastro positivo?","answer":"O novo modelo do Cadastro Positivo tem muitas vantagens, mas em especial, permitir\u00e1 a inclus\u00e3o financeira de muitos brasileiros que hoje n\u00e3o t\u00eam acesso a cr\u00e9dito, empr\u00e9stimos e financiamentos por n\u00e3o possu\u00edrem renda comprovada, mas que pagam em dia suas obriga\u00e7\u00f5es e poder\u00e3o mostrar isso ao sistema financeiro por meio do Cadastro Positivo. Para quem j\u00e1 tem acesso a cr\u00e9dito, o novo modelo poder\u00e1 ampliar a oferta e reduzir as taxas de juros. O novo cen\u00e1rio pode proporcionar aumento da concorr\u00eancia, com a entrada de competidores com novos produtos e servi\u00e7os, e a redu\u00e7\u00e3o da inadimpl\u00eancia, o que poder\u00e1 levar a uma oferta de juros mais justos."},"11":{"question":"Quem ter\u00e1 acesso aos dados dos consumidores e das empresas?","answer":"Os bir\u00f4s de cr\u00e9dito Gestores dos bancos de dados do Cadastro Positivo, como a Boa Vista, a Quod, a Serasa Experian, o SPC Brasil e a TransUnion, receber\u00e3o as informa\u00e7\u00f5es provenientes das Fontes, que s\u00e3o as empresas que realizam neg\u00f3cios e opera\u00e7\u00f5es de cr\u00e9dito com os consumidores e empresas. Os bir\u00f4s de cr\u00e9dito poder\u00e3o utilizar as informa\u00e7\u00f5es positivas para compor a nota de cr\u00e9dito do consumidor e poder\u00e3o disponibiliza-la para pessoas f\u00edsicas ou jur\u00eddicas consulentes (por exemplo: varejistas, financeiras e bancos), que mantenham rela\u00e7\u00e3o comercial ou estejam avaliando a concess\u00e3o de cr\u00e9dito ou transa\u00e7\u00f5es comerciais para o cadastrado. A consulta ao hist\u00f3rico completo do Cadastro Positivo depender\u00e1 de autoriza\u00e7\u00e3o do consumidor."},"12":{"question":"Que empresas enviam dados para o cadastro positivo?","answer":"Devem enviar dados para o Cadastro Positivo aquelas pessoas f\u00edsicas ou jur\u00eddicas que concedam cr\u00e9dito, administrem opera\u00e7\u00f5es de autofinanciamento ou realizem venda a prazo ou outras transa\u00e7\u00f5es comerciais e empresariais que impliquem em risco financeiro, como as institui\u00e7\u00f5es financeiras, as financeiras e os prestadores de servi\u00e7os continuados como telecomunica\u00e7\u00f5es, saneamento, energia e g\u00e1s, por exemplo."},"13":{"question":"Que tipo de dado ficar\u00e1 dispon\u00edvel relacionado aos consumidores e empresas?","answer":"Constar\u00e3o as informa\u00e7\u00f5es de cr\u00e9dito, como empr\u00e9stimos, faturas, financiamentos e credi\u00e1rios. Al\u00e9m disso, contas de consumo como \u00e1gua, g\u00e1s, luz e telefone tamb\u00e9m ser\u00e3o utilizadas no Cadastro Positivo. As informa\u00e7\u00f5es dos bens adquiridos n\u00e3o entram no relat\u00f3rio, somente s\u00e3o considerados: o valor total e as parcelas da obriga\u00e7\u00e3o de pagamento com as respectivas datas de in\u00edcio e vencimento, bem como a informa\u00e7\u00e3o de confirma\u00e7\u00e3o de que a obriga\u00e7\u00e3o foi paga e a data do pagamento."},"14":{"question":"Como o consumidor ou a empresa acessa seus pr\u00f3prios dados no cadastro positivo?","answer":"Qualquer pessoa f\u00edsica e jur\u00eddica cadastrada no Cadastro Positivo pode consultar nos bancos de dados todas as informa\u00e7\u00f5es existentes sobre elas. O acesso, que \u00e9 gratuito, poder\u00e1 ser solicitado para os bir\u00f4s de cr\u00e9dito, como a Boa Vista, a Quod, a Serasa Experian, o SPC Brasil e a TransUnion. Essa solicita\u00e7\u00e3o pode ser feita por quaisquer dos canais de atendimento disponibilizados pelos bir\u00f4s (ex.: presencial ou eletr\u00f4nico), e pode ser atendida no prazo de at\u00e9 dez dias a partir da data de solicita\u00e7\u00e3o."},"15":{"question":"Sobre a pessoa f\u00edsica e a jur\u00eddica j\u00e1 cadastrada em um bir\u00f4 de cr\u00e9dito. \u00c9 preciso que ela solicite o cadastramento nos demais bancos de dados?","answer":"N\u00e3o. Quando estiver em vigor o novo modelo, uma vez aberto o Cadastro Positivo de determinado indiv\u00edduo por um dos gestores de banco de dados, os demais tamb\u00e9m estar\u00e3o autorizados a faz\u00ea-lo, sem que seja necess\u00e1ria nova comunica\u00e7\u00e3o ao cadastrado."},"16":{"question":"H\u00e1 uma informa\u00e7\u00e3o errada no cadastro? Como fazer para alter\u00e1-la?","answer":"O cadastrado pode solicitar a qualquer bir\u00f4 de cr\u00e9dito ou \u00e0 fonte do dado a corre\u00e7\u00e3o de qualquer informa\u00e7\u00e3o sobre ele que tenha sido erroneamente anotada nos bancos de dados. A corre\u00e7\u00e3o da informa\u00e7\u00e3o deve ser feita no prazo de at\u00e9 10 dias a contar da solicita\u00e7\u00e3o feita pelo cadastrado."},"17":{"question":"Os dados estar\u00e3o todos protegidos?","answer":"Sim. Os bancos de dados de prote\u00e7\u00e3o ao cr\u00e9dito s\u00e3o respons\u00e1veis pela seguran\u00e7a das informa\u00e7\u00f5es armazenadas. A legisla\u00e7\u00e3o do Cadastro Positivo permite o armazenamento apenas das relevantes para a an\u00e1lise de cr\u00e9dito do consumidor cadastrado, vedando expressamente o uso de informa\u00e7\u00f5es sens\u00edveis ou excessivas. As informa\u00e7\u00f5es armazenadas servir\u00e3o para elabora\u00e7\u00e3o das notas de cr\u00e9dito ou score e, sendo que a consulta ao hist\u00f3rico completo por terceiros depender\u00e1 de autoriza\u00e7\u00e3o do consumidor, desde que estes mantenham ou pretendam manter rela\u00e7\u00e3o comercial ou credit\u00edcia com o cadastrado e respeitem as finalidades previstas na lei para o uso das informa\u00e7\u00f5es. Mant\u00e9m-se, portanto, a privacidade do consumidor e desvios nesse procedimento est\u00e3o sujeitos a penalidades."},"18":{"question":"Como o consumidor ou a empresa faz para retirar o nome do cadastro positivo?","answer":"O consumidor que desejar retirar o seu nome do Cadastro Positivo pode fazer isso a qualquer momento, basta solicitar formalmente sua exclus\u00e3o nos canais de atendimento de quaisquer bir\u00f4s de cr\u00e9dito. O bir\u00f4 de cr\u00e9dito que receber a solicita\u00e7\u00e3o de exclus\u00e3o do Cadastro Positivo fica obrigado a atend\u00ea-la e compartilhar com os demais bir\u00f4s, para que tamb\u00e9m a atendam, no prazo de at\u00e9 02 dias \u00fateis. Clique aqui para saber como cancelar o seu cadastro positivo."},"19":{"question":"O que acontece com os cadastros que j\u00e1 existiam antes das altera\u00e7\u00f5es promovidas pelas lei complementar n\u00ba 166\/2019?","answer":"Caso o consumidor ou a empresa j\u00e1 possua o Cadastro Positivo aberto, o cadastro continuar\u00e1 ativo e as informa\u00e7\u00f5es de hist\u00f3rico de cr\u00e9dito continuam a ser armazenadas e compartilhadas normalmente. Como j\u00e1 houve a anu\u00eancia para o uso dessas informa\u00e7\u00f5es, nenhuma nova comunica\u00e7\u00e3o ser\u00e1 necess\u00e1ria."},"20":{"question":"O que acontece se o consumidor ou a empresa tirar o nome do cadastro positivo?","answer":"Se o cadastrado eventualmente solicitar a exclus\u00e3o do Cadastro Positivo, o banco de dados deixar\u00e1 de receber qualquer informa\u00e7\u00e3o positiva sobre ele e, consequentemente, as empresas que v\u00e3o conceder cr\u00e9dito poder\u00e3o ter acesso a menos informa\u00e7\u00f5es, verificando apenas a exist\u00eancia ou n\u00e3o de d\u00edvidas negativadas, por exemplo. Como resultado, pode aumentar a probabilidade de recusa ou de concess\u00e3o de cr\u00e9dito por essa empresa com maiores taxas de juros, pois ela pode ter informa\u00e7\u00f5es insuficientes para a an\u00e1lise de risco financeiro ou somente ter acesso \u00e0s contas que voc\u00ea deixou de pagar."},"21":{"question":"A pessoa f\u00edsica ou jur\u00eddica recebeu a comunica\u00e7\u00e3o de que seus dados foram inseridos no banco de dados de bir\u00f4s de cr\u00e9dito. Como fazer para retira-los?","answer":"O consumidor ou empresa podem, antes mesmo do recebimento da comunica\u00e7\u00e3o de abertura de seu cadastro, manifestar a sua vontade de n\u00e3o ser inclu\u00eddo no Cadastro Positivo. Se o consumidor ou a empresa j\u00e1 tiverem recebido a comunica\u00e7\u00e3o de abertura do cadastro e n\u00e3o quiser que seus dados permane\u00e7am no Cadastro Positivo, basta pedir para retir\u00e1-los a qualquer tempo. Todos os bir\u00f4s de cr\u00e9dito devem informar quais s\u00e3o os canais dispon\u00edveis para solicitar, gratuitamente, o cancelamento do cadastro. Ao solicitar o cancelamento a um gestor de banco de dados, este dever\u00e1 informar os demais gestores sobre a decis\u00e3o do consumidor de n\u00e3o participar do Cadastro Positivo."},"22":{"question":"Eu posso ser prejudicado pelo cadastro positivo?","answer":"A proposta do Cadastro Positivo \u00e9 beneficiar o consumidor que tem um bom hist\u00f3rico de cr\u00e9dito, para que ele tenha acesso a taxas mais justas e melhores condi\u00e7\u00f5es na hora de solicitar empr\u00e9stimos ou financiar um bem. Por isso, \u00e9 importante manter o pagamento das obriga\u00e7\u00f5es em dia para que a inclus\u00e3o das informa\u00e7\u00f5es positivas possa beneficiar a sua an\u00e1lise de risco de cr\u00e9dito para o mercado."}}}],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"pgc_sgb_lightbox_settings":"","footnotes":""},"class_list":["post-3032","page","type-page","status-publish","hentry","no-post-thumbnail"],"_links":{"self":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/pages\/3032","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/comments?post=3032"}],"version-history":[{"count":24,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/pages\/3032\/revisions"}],"predecessor-version":[{"id":4070,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/pages\/3032\/revisions\/4070"}],"wp:attachment":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media?parent=3032"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}