Reports of companies with defaulting customers are not uncommon. The situation has become increasingly common, which is why it is important to understand what can be done to avoid major losses.
In addition to the stories, the numbers prove this sad reality. According to data from the Default Map , published by Serasa, more than 62 million Brazilians were in debt in May 2021. The estimate is that each individual owes more than R$3,000.
Therefore, it is clear that many companies are not receiving payment for services or products offered, right? Is your company going through this?
If the answer was yes, read the content and take the opportunity to understand what negative listing is, how the process works and when this should be an option!
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What is negativity?
Negative listing is a collection system mexico whatsapp number data in cases where an individual is in default, that is, when they are not making payments. Therefore, the name of the person who is in debt is entered into the Serasa database, for example, or another company responsible for managing the negative listing process .
After this stage, the individual is prevented from carrying out several daily actions and activities, including financing options, loans and even applying for cards. In most cases, these restrictions remain in place until the payment is made
How does Serasa negative rating work?
Regarding the rules, this type of limited submission on industrial mixtures is provided for by the Consumer Protection Code (CDC) . When an overdue debt is , it is possible to link the amounts to the CPF (Individual Taxpayer Registry). The debt remains active for up to five years.
It is worth noting that there are also cases in which the purchase is by a legal entity, that is, from company to company. Therefore, it is possible to use the same mechanism, including the values in the CNPJ.
After requesting inclusion on Serasa’s negative list, he is to sending a letter informing about the situation.
When the buyer does not receive this document. Whether because the correspondence was or sent to the wrong address, for example, the negative rating occurs in the same way.
1. Deadline for debt settlement
The deadline for payment is ten days, before saultdata name appears as “bad debt” in the system. If payment is not , the negative credit rating process begins.
Payment times may vary from state to state, with some regions offering a payment period of up to 20 days. The buyer can make the payment at any time — the debts will from the name within two business days.