{"id":2078,"date":"2018-01-09T19:32:03","date_gmt":"2018-01-09T19:32:03","guid":{"rendered":"http:\/\/anbc.org.br\/?p=2078"},"modified":"2025-05-28T19:53:38","modified_gmt":"2025-05-28T19:53:38","slug":"how-credit-bureaus-obtain-information-about-consumers","status":"publish","type":"post","link":"https:\/\/anbc.org.br\/en\/como-os-biros-de-credito-obtem-informacoes-sobre-o-consumidor\/","title":{"rendered":"How do credit bureaus obtain information about consumers?"},"content":{"rendered":"<p>Follow on Google News<a href=\"https:\/\/news.google.com\/publications\/CAAqBwgKMOLGnwsw79C3Aw?oc=3&ceid=BR:pt-419\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-8243\" src=\"https:\/\/anbc.org.br\/wp-content\/uploads\/2020\/11\/tenor.gif\" alt=\"\" width=\"50\" height=\"50\" \/><\/a><\/p>\r\n<p>By now, after reading my last post here on LinkedIn, you already know what role credit bureaus play in the economy. Today we're going to talk about the work they do to ensure that they perform their role as intermediaries in relations between\u00a0<strong>creditor<\/strong>\u00a0e\u00a0<strong>consumer<\/strong>\u00a0or\u00a0<strong>debtor<\/strong>.<\/p>\r\n<p>Credit bureaus obtain information about the consumer's or borrower's history from different sources such as banks, credit card companies, retail chains, non-bank financial institutions and utility companies such as water, electricity and telephone, always respecting local regulations with extensive security apparatus.<\/p>\r\n<p>The information includes payment records for\u00a0<strong>loans<\/strong>, This information can be used to check the credit history, pending court cases and possible insolvency or bankruptcy of individuals or small businesses. Most bureaus provide complete information, showing any and all types of information in the consumer's or borrower's credit history.<\/p>\r\n<p>The step following the collection of information is to compile this data in order to create a comprehensive credit report to be used by credit institutions for decision-making. Through the credit score, the bureaus empower the borrower.\u00a0<strong>consumer<\/strong>, You can get lower interest rates and better conditions when borrowing money.<\/p>\r\n<p>&nbsp;<\/p>\r\n<h4 class=\"wp-block-heading\">Thanks for reading! Access other content at<a href=\"https:\/\/www.linkedin.com\/company\/anbc-associa%C3%A7%C3%A3o-nacional-dos-bir%C3%B4s-de-cr%C3%A9dito\" target=\"_blank\" rel=\"noopener\">\u00a0ANBC website<\/a>.<\/h4>\r\n<p>&nbsp;<\/p>\r\n<h3 class=\"h3-xl\" style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-1261\" style=\"font-size: 1rem; color: #333333; font-family: Roboto, 'Helvetica Neue', Helvetica, Arial, sans-serif; font-weight: 300;\" src=\"http:\/\/anbc.org.br\/wp-content\/uploads\/2023\/12\/elias-sfeir.webp\" alt=\"elias sfeir\" width=\"100\" height=\"100\" \/><\/h3>\r\n<p>&nbsp;<\/p>\r\n<h6>Por: Elias Sfeir Presidente da ANBC & Membro do Conselho Clim\u00e1tico da Cidade de S\u00e3o Paulo & Conselheiro Certificado<\/h6>\r\n<p>&nbsp;<\/p>\r\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Follow on Google News By now, after reading my last post here on LinkedIn, you know what role credit bureaus play in the economy. Today we're going to talk about the work they do to ensure that...<\/p>","protected":false},"author":1,"featured_media":2079,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Como os bir\u00f4s de cr\u00e9dito obt\u00eam informa\u00e7\u00f5es sobre o consumidor?","_seopress_titles_desc":"Como os bir\u00f4s de cr\u00e9dito obt\u00eam informa\u00e7\u00f5es sobre o consumidor?","_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":"bir\u00f4s de cr\u00e9dito","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"pgc_sgb_lightbox_settings":"","footnotes":""},"categories":[46],"tags":[97,237,255],"class_list":["post-2078","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-biros-de-credito","tag-consumidor","tag-emprestimos","blog-post"],"_links":{"self":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/2078","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=2078"}],"version-history":[{"count":1,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/2078\/revisions"}],"predecessor-version":[{"id":2080,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/2078\/revisions\/2080"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media\/2079"}],"wp:attachment":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media?parent=2078"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/categories?post=2078"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/tags?post=2078"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}