{"id":2081,"date":"2017-12-08T19:45:12","date_gmt":"2017-12-08T19:45:12","guid":{"rendered":"http:\/\/anbc.org.br\/?p=2081"},"modified":"2025-05-28T19:53:32","modified_gmt":"2025-05-28T19:53:32","slug":"what-credit-biros-are-and-what-they-are-used-for","status":"publish","type":"post","link":"https:\/\/anbc.org.br\/en\/o-que-sao-e-para-que-servem-os-biros-de-credito\/","title":{"rendered":"What are credit bureaus and what are they for?"},"content":{"rendered":"<p>Follow on Google News<a href=\"https:\/\/news.google.com\/publications\/CAAqBwgKMOLGnwsw79C3Aw?oc=3&amp;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>If you've ever wondered what\u00a0<strong>credit bureaus<\/strong>\u00a0and what they're for, rest assured. Rest assured that you're not the first and you won't be the last. From now on, I'm going to answer these two important questions.<\/p>\r\n<p>Credit bureaus are institutions that bring transparency to the relationship <strong>creditor-consumer<\/strong> acting impartially by providing information that assists in credit decision-making. By providing transparency, bureaus create healthy relationships of trust between lender and consumer or debtor, supporting credit discipline.<\/p>\r\n<p>The work carried out by credit bureaus also contributes to two important disciplines: conscious consumption and responsible credit. The balance of these two disciplines creates a virtuous circle in credit by increasing the volume of credit at fair rates, which boosts the economy and social prosperity.<\/p>\r\n<p>By analyzing the\u00a0<strong>credit<\/strong>, the\u00a0<strong>bureaus<\/strong>\u00a0also help to prevent people from taking on more debt than they can afford and help creditors to minimize their losses from defaults. A company in financial difficulty because of default may have to delay paying employees and suppliers, who, because they haven't received the money they expected, are unable to honor their bills.<\/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>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>&nbsp;<\/p>\r\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Follow on Google News If you've ever wondered what credit bureaus are and what they're for, rest assured. Rest assured that you weren't the first and you won't be the last. From now on, I'm going to answer these...<\/p>","protected":false},"author":1,"featured_media":2079,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"O que s\u00e3o e para que servem os bir\u00f4s de cr\u00e9dito?","_seopress_titles_desc":"O que s\u00e3o e para que servem os bir\u00f4s de cr\u00e9dito?","_seopress_robots_index":"","pgc_sgb_lightbox_settings":"","footnotes":""},"categories":[46],"tags":[97,55,258],"class_list":["post-2081","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-biros-de-credito","tag-credito","tag-credor-consumidor","blog-post"],"_links":{"self":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/2081","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=2081"}],"version-history":[{"count":1,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/2081\/revisions"}],"predecessor-version":[{"id":2082,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/2081\/revisions\/2082"}],"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=2081"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/categories?post=2081"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/tags?post=2081"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}