{"id":2045,"date":"2018-07-12T23:45:20","date_gmt":"2018-07-12T23:45:20","guid":{"rendered":"http:\/\/anbc.org.br\/?p=2045"},"modified":"2024-02-27T23:51:29","modified_gmt":"2024-02-27T23:51:29","slug":"biros-role-is-also-to-help-consumers","status":"publish","type":"post","link":"https:\/\/anbc.org.br\/en\/papel-dos-biros-tambem-e-auxiliar-consumidor\/","title":{"rendered":"The role of bureaus is also to help consumers"},"content":{"rendered":"

Follow on Google News\"\"<\/a><\/p>\r\n

The role of bureaus is also to help consumers make good financial decisions<\/h2>\r\n

One of the roles of credit bureaus is to help consumers make better financial decisions. Not only to help them manage their monthly budget, but also, and above all, to use loans in a sustainable way. Using this resource to improve their living conditions is as positive as financing a car or a property. The bureaus also provide consumers with the tools they need to make good choices when taking out loans.<\/p>\r\n

Ao fazer isso, os credit bureaus<\/a> evitam que as pessoas assumam mais d\u00edvidas do que podem pagar. Essa situa\u00e7\u00e3o de contas negativas pode levar ao superendividamento, fen\u00f4meno extremamente negativo por levar as pessoas \u00e0 insolv\u00eancia, o que prejudica n\u00e3o apenas a pessoa insolvente como todas aquelas que se relacionam ou se relacionaram com ela impactando o tecido social.<\/p>\r\n

Two recent initiatives promoted by Serasa Experian and Boa Vista can be highlighted in this sense of empowering consumers to make more assertive financial choices.<\/p>\r\n

The\u00a0Serasa eCred<\/a>\u00a0lan\u00e7ado pela Serasa Experian \u00e9 um servi\u00e7o online e totalmente gratuito. Por meio dele, o consumidor acessa as ofertas de empr\u00e9stimo (diferentes modalidades como financiamento de carro e de im\u00f3vel) e de credit card<\/a> de empresas parceiras da Serasa como bancos, fintechs e financeiras.<\/p>\r\n

On the platform, consumers already receive the best offers according to their profile and have no trouble comparing rates and payment conditions. In order for Serasa eCred to draw up this profile accurately, the consumer answers a few questions that make it possible to understand the type of credit needed, the amount sought and the number of installments desired to pay off the debt.<\/p>\r\n

The second initiative that should be highlighted is the\u00a0Household Budget Booklet created by Boa Vista<\/a>. O objetivo do documento \u00e9 possibilitar que as pessoas administrem melhor seu dinheiro para que elas possam ter sempre cr\u00e9dito e realizar<\/a> seus sonhos.<\/p>\r\n

De forma did\u00e1tica, a cartilha demonstra a import\u00e2ncia do consumo respons\u00e1vel e de guardar dinheiro para momentos<\/a> de emerg\u00eancia. Oferece at\u00e9 mesmo um modelo de planilha que facilita a gest\u00e3o do or\u00e7amento. J\u00e1 de in\u00edcio, nas primeiras p\u00e1ginas do documento, o consumidor \u00e9 convidado a realizar um teste para verificar como est\u00e1 lidando com suas finan\u00e7as. A pontua\u00e7\u00e3o final vai indicar para esse mesmo consumidor as a\u00e7\u00f5es que ele precisa tomar rapidamente para melhorar sua situa\u00e7\u00e3o financeira.<\/p>\r\n

Estas s\u00e3o algumas iniciativas dos Biros que contribuem para educa\u00e7\u00e3o financeira do borrower<\/a>.<\/p>\r\n

 <\/p>\r\n

Thanks for reading! Access other content at\u00a0ANBC website<\/a>.<\/h4>\r\n

 <\/p>\r\n

\"elias<\/h3>\r\n

 <\/p>\r\n

President of ANBC - National Association of Credit Bureaus. Representative of Latin America in the World Bank Credit Committee. He also represents Brazil and Latin America in credit organisations accross the world, such as ACCIS, BIIA and ALACRED.<\/h6>\r\n

 <\/p>\r\n

 <\/p>","protected":false},"excerpt":{"rendered":"

Follow on Google News The role of credit bureaus is also to help consumers make good financial decisions Credit bureaus have one of their roles in helping consumers make better financial decisions. Not just to help them manage their...<\/p>","protected":false},"author":1,"featured_media":2046,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Papel dos bir\u00f4s tamb\u00e9m \u00e9 auxiliar consumidor a tomar boas decis\u00f5es financeiras","_seopress_titles_desc":"Papel dos bir\u00f4s tamb\u00e9m \u00e9 auxiliar consumidor a tomar boas decis\u00f5es financeiras","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"none","_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":"consumidor","pgc_sgb_lightbox_settings":"","footnotes":""},"categories":[46],"tags":[236,237,128],"class_list":["post-2045","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-cartilha-do-orcamento-domestico","tag-consumidor","tag-superendividamento","blog-post"],"_links":{"self":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/2045","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/types\/post"}],"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=2045"}],"version-history":[{"count":2,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/2045\/revisions"}],"predecessor-version":[{"id":11662,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/2045\/revisions\/11662"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media\/2046"}],"wp:attachment":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media?parent=2045"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/categories?post=2045"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/tags?post=2045"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}