{"id":1460,"date":"2024-12-17T07:00:00","date_gmt":"2024-12-17T10:00:00","guid":{"rendered":"https:\/\/oppens.com.br\/blog\/?p=1460"},"modified":"2024-09-20T15:15:58","modified_gmt":"2024-09-20T18:15:58","slug":"score-de-credito-entenda-melhor","status":"publish","type":"post","link":"https:\/\/oppens.com.br\/blog\/educacao-financeira\/score-de-credito-entenda-melhor\/","title":{"rendered":"Score de cr\u00e9dito: o que \u00e9 e como \u00e9 feito o c\u00e1lculo"},"content":{"rendered":"\n<p>Entender o que \u00e9 Score de cr\u00e9dito e como se faz o c\u00e1lculo \u00e9 essencial para a educa\u00e7\u00e3o financeira, mas n\u00e3o apenas isso: essa informa\u00e7\u00e3o te d\u00e1 a possibilidade de saber o que voc\u00ea precisa fazer para melhorar sua pontua\u00e7\u00e3o. Ter um bom score de cr\u00e9dito pode abrir portas em momentos importantes da sua vida como o financiamento da casa pr\u00f3pria ou um investimento nos seus estudos.\u00a0Por isso, neste post voc\u00ea entender\u00e1 melhor o que \u00e9 o Score de cr\u00e9dito e como \u00e9 feito o seu c\u00e1lculo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">O que \u00e9 Score de cr\u00e9dito<\/h2>\n\n\n\n<p>O Score de cr\u00e9dito \u00e9 como se fosse uma representa\u00e7\u00e3o do seu hist\u00f3rico financeiro. De maneira simplificada, \u00e9 uma forma que o sistema financeiro encontrou de tentar pontuar a sua capacidade de honrar suas d\u00edvidas e portanto o risco de disponibilizar cr\u00e9dito para voc\u00ea. A pontua\u00e7\u00e3o varia de 0 a 1.000, sendo zero a pior pontua\u00e7\u00e3o poss\u00edvel e 1.000 a melhor. Dessa forma, quanto mais alta a sua pontua\u00e7\u00e3o, maior a chance de conseguir cr\u00e9dito.<\/p>\n\n\n\n<p>O seu Score pode definir melhores condi\u00e7\u00f5es oferecidas por bancos e outras institui\u00e7\u00f5es na hora de fazer uma compra, financiamento ou pedir um empr\u00e9stimo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Como \u00e9 feito o c\u00e1lculo<\/h2>\n\n\n\n<p>O c\u00e1lculo pode variar de acordo com a institui\u00e7\u00e3o financeira ou o bir\u00f4 de cr\u00e9dito que est\u00e1 fazendo a avalia\u00e7\u00e3o. Cada um deles pode ter uma metodologia diferente ou dar pesos diferentes a determinados itens. Mas existem informa\u00e7\u00f5es b\u00e1sicas que s\u00e3o levadas em conta por todos eles:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pagamento das contas em dia;<\/li>\n\n\n\n<li>Tipo de relacionamento com o dinheiro e com o cr\u00e9dito concedido;<\/li>\n\n\n\n<li>N\u00famero de consultas ao CPF durante determinado per\u00edodo de tempo;<\/li>\n\n\n\n<li>Informa\u00e7\u00f5es quanto \u00e0 negativa\u00e7\u00e3o do CPF;<\/li>\n\n\n\n<li>\u00cdndice de endividamento;<\/li>\n<\/ul>\n\n\n\n<p>Por isso, zelar por essas informa\u00e7\u00f5es e ter um bom controle financeiro \u00e9 primordial para a constru\u00e7\u00e3o de um bom score de cr\u00e9dito. O score de cr\u00e9dito \u00e9 constru\u00eddo e leva um certo tempo. Se voc\u00ea deseja melhorar o seu score, comece a fazer isso hoje, melhorando seus h\u00e1bitos financeiros e buscando mais equil\u00edbrio para lidar com o dinheiro. A pontua\u00e7\u00e3o n\u00e3o tem necessariamente uma rela\u00e7\u00e3o direta com a quantidade de dinheiro que a pessoa possui, mas sim com o controle que ela tem sobre as finan\u00e7as e os bons h\u00e1bitos financeiros a longo prazo.<\/p>\n\n\n\n<p>Para a Oppens a educa\u00e7\u00e3o financeira \u00e9 prioridade. Acreditamos na import\u00e2ncia dela para a cria\u00e7\u00e3o de uma rela\u00e7\u00e3o saud\u00e1vel com o dinheiro para fam\u00edlias e empresas. Interessado em saber mais sobre a Oppens? Acesse <a href=\"http:\/\/oppens.com.br\">nosso site<\/a> para encontrar mais informa\u00e7\u00f5es sobre nossos produtos de <a href=\"https:\/\/www.oppens.com.br\/emprestimo\">empr\u00e9stimo<\/a> ou <a href=\"https:\/\/www.oppens.com.br\/investir\">investimento.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Entender o que \u00e9 Score de cr\u00e9dito e como se faz o c\u00e1lculo \u00e9 essencial para a educa\u00e7\u00e3o financeira, mas [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1464,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[26,24],"tags":[11,60,10,14,33],"class_list":["post-1460","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-educacao-financeira","category-emprestimos-e-financiamentos","tag-credito","tag-educacaofinanceira","tag-emprestimo-2","tag-fintech","tag-oppens"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Score de cr\u00e9dito: o que \u00e9 e como \u00e9 feito o c\u00e1lculo - Oppens<\/title>\n<meta name=\"description\" content=\"Neste post voc\u00ea poder\u00e1 entender melhor o que \u00e9 o Score de cr\u00e9dito, se uso. Al\u00e9m disso, saber\u00e1 como \u00e9 feito o c\u00e1lculo do Score.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/oppens.com.br\/blog\/educacao-financeira\/score-de-credito-entenda-melhor\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Score de cr\u00e9dito: o que \u00e9 e como \u00e9 feito o c\u00e1lculo - Oppens\" \/>\n<meta property=\"og:description\" content=\"Neste post voc\u00ea poder\u00e1 entender melhor o que \u00e9 o Score de cr\u00e9dito, se uso. Al\u00e9m disso, saber\u00e1 como \u00e9 feito o c\u00e1lculo do Score.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/oppens.com.br\/blog\/educacao-financeira\/score-de-credito-entenda-melhor\/\" \/>\n<meta property=\"og:site_name\" content=\"Oppens\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/people\/Oppensoficial\/61558022886830\/?mibextid=LQQJ4d\" \/>\n<meta property=\"article:published_time\" content=\"2024-12-17T10:00:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/oppens.com.br\/blog\/wp-content\/uploads\/2024\/12\/score-de-credito-blog.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"853\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Giovanna Bissacot\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Giovanna Bissacot\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. tempo de leitura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/educacao-financeira\\\/score-de-credito-entenda-melhor\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/educacao-financeira\\\/score-de-credito-entenda-melhor\\\/\"},\"author\":{\"name\":\"Giovanna Bissacot\",\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/#\\\/schema\\\/person\\\/8c09c68e4e5fbe74565e4dce238b86a6\"},\"headline\":\"Score de cr\u00e9dito: o que \u00e9 e como \u00e9 feito o c\u00e1lculo\",\"datePublished\":\"2024-12-17T10:00:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/educacao-financeira\\\/score-de-credito-entenda-melhor\\\/\"},\"wordCount\":476,\"publisher\":{\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/educacao-financeira\\\/score-de-credito-entenda-melhor\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/score-de-credito-blog.jpg\",\"keywords\":[\"#credito\",\"#educacaofinanceira\",\"#emprestimo\",\"#fintech\",\"#oppens\"],\"articleSection\":[\"Educa\u00e7\u00e3o financeira\",\"Empr\u00e9stimos e financiamentos\"],\"inLanguage\":\"pt-BR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/educacao-financeira\\\/score-de-credito-entenda-melhor\\\/\",\"url\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/educacao-financeira\\\/score-de-credito-entenda-melhor\\\/\",\"name\":\"Score de cr\u00e9dito: o que \u00e9 e como \u00e9 feito o c\u00e1lculo - Oppens\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/educacao-financeira\\\/score-de-credito-entenda-melhor\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/educacao-financeira\\\/score-de-credito-entenda-melhor\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/oppens.com.br\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/score-de-credito-blog.jpg\",\"datePublished\":\"2024-12-17T10:00:00+00:00\",\"description\":\"Neste post voc\u00ea poder\u00e1 entender melhor o que \u00e9 o Score de cr\u00e9dito, se uso. 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