{"id":974,"date":"2023-04-04T07:00:00","date_gmt":"2023-04-04T10:00:00","guid":{"rendered":"https:\/\/www.oppens.com.br\/?p=974"},"modified":"2024-07-01T14:59:47","modified_gmt":"2024-07-01T17:59:47","slug":"cadastro-positivo-e-a-sua-importancia-para-o-credito","status":"publish","type":"post","link":"https:\/\/oppens.com.br\/blog\/educacao-financeira\/cadastro-positivo-e-a-sua-importancia-para-o-credito\/","title":{"rendered":"Cadastro Positivo e a sua import\u00e2ncia para o cr\u00e9dito"},"content":{"rendered":"\n

O Cadastro Positivo \u00e9 uma ferramenta que tem como objetivo facilitar a concess\u00e3o de cr\u00e9dito a pessoas f\u00edsicas e jur\u00eddicas que possuem um hist\u00f3rico de bom pagador. Ele foi criado em 2011 no Brasil, mas s\u00f3 se tornou obrigat\u00f3rio em 2019, ap\u00f3s a san\u00e7\u00e3o da Lei Complementar n\u00ba 166\/19.<\/p>\n\n\n\n

O Cadastro Positivo \u00e9 uma esp\u00e9cie de “curr\u00edculo financeiro” que re\u00fane informa\u00e7\u00f5es sobre o comportamento de pagamento de consumidores e empresas. Essas informa\u00e7\u00f5es s\u00e3o fornecidas por institui\u00e7\u00f5es financeiras, empresas de telecomunica\u00e7\u00f5es, varejistas e outros prestadores de servi\u00e7os que mant\u00eam uma rela\u00e7\u00e3o comercial com o consumidor.<\/p>\n\n\n\n

Ao contr\u00e1rio do Cadastro Negativo, que lista apenas os devedores, o Cadastro Positivo registra o hist\u00f3rico de pagamentos em dia dos consumidores. Dessa forma, as institui\u00e7\u00f5es financeiras e empresas que concedem cr\u00e9dito podem ter acesso a uma an\u00e1lise mais completa do perfil de cr\u00e9dito do consumidor, o que facilita a tomada de decis\u00e3o na hora de conceder um empr\u00e9stimo ou financiamento.<\/p>\n\n\n\n

Mas como funciona o Cadastro Positivo na pr\u00e1tica? <\/h3>\n\n\n\n

Quando uma pessoa ou empresa faz uma compra a prazo, contrata um empr\u00e9stimo ou utiliza o cart\u00e3o de cr\u00e9dito, essas informa\u00e7\u00f5es s\u00e3o registradas no banco de dados do Cadastro Positivo. O hist\u00f3rico de pagamento \u00e9 analisado por empresas especializadas em an\u00e1lise de cr\u00e9dito, que atribuem uma nota de cr\u00e9dito ao cliente com base em diversos fatores, como o valor das d\u00edvidas, a frequ\u00eancia de atrasos, entre outros.<\/p>\n\n\n\n

Essa nota de cr\u00e9dito \u00e9 compartilhada com os credores que desejam avaliar a capacidade de pagamento de seus clientes, o que permite que eles tenham uma vis\u00e3o mais completa e precisa do perfil de cada cliente. Com isso, \u00e9 poss\u00edvel oferecer cr\u00e9dito com juros menores para quem tem um bom hist\u00f3rico de pagamento e com taxas mais altas para quem apresenta um maior risco de inadimpl\u00eancia.<\/p>\n\n\n\n

Para os consumidores, o Cadastro Positivo pode trazer muitas vantagens. Primeiro, ele pode ajudar a melhorar o score de cr\u00e9dito<\/a>, que \u00e9 a pontua\u00e7\u00e3o que indica o risco de inadimpl\u00eancia de um consumidor. Com um score alto, \u00e9 mais f\u00e1cil conseguir cr\u00e9dito e em melhores condi\u00e7\u00f5es, como juros mais baixos e prazos mais longos.<\/p>\n\n\n\n

Al\u00e9m disso, o Cadastro Positivo tamb\u00e9m pode ser \u00fatil para quem est\u00e1 come\u00e7ando a vida financeira. Isso porque, mesmo sem hist\u00f3rico de cr\u00e9dito, \u00e9 poss\u00edvel construir um Cadastro Positivo a partir do pagamento de contas de servi\u00e7os b\u00e1sicos, como \u00e1gua, luz e telefone.<\/p>\n\n\n\n

No entanto, \u00e9 importante ressaltar que a participa\u00e7\u00e3o no Cadastro Positivo \u00e9 opcional. Os consumidores que n\u00e3o desejam ter suas informa\u00e7\u00f5es compartilhadas devem solicitar a exclus\u00e3o de seus dados do banco de dados.<\/p>\n\n\n\n

Por fim vale lembrar que a inclus\u00e3o no Cadastro Positivo pode trazer benef\u00edcios significativos, tanto para os consumidores quanto para os credores, e pode ser uma op\u00e7\u00e3o interessante para quem busca uma maior facilidade na obten\u00e7\u00e3o de cr\u00e9dito.<\/p>\n","protected":false},"excerpt":{"rendered":"

O Cadastro Positivo \u00e9 uma ferramenta que tem como objetivo facilitar a concess\u00e3o de cr\u00e9dito a pessoas f\u00edsicas e jur\u00eddicas […]<\/p>\n","protected":false},"author":1,"featured_media":975,"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 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