Credit blacklisting
in Brazil

Understand Serasa, SPC, and credit records, how to check debts, and precautions before negotiating.

What to do, step by step

Check your CPF through official Serasa, SPC, Boa Vista, or bank channels to identify origin, amount, and creditor.
Ask the creditor for documents proving the debt and verify whether you recognize the contract or purchase.
If the debt is yours, negotiate through official channels and request written terms or proof before paying.
If you do not recognize the debt, dispute it in writing, keep protocol numbers, and request cadastro correction.
For abusive collection or negativação indevida (wrongful listing), seek Procon, consumidor.gov.br, or professional guidance.

What is negativação?

It is the inclusion of a name in default databases such as Serasa or SPC (credit bureaus) for unpaid debt. It may affect credit and services.

Does the debt disappear after five years?

Credit record entries have legal limits, but the debt situation may require specific analysis. Check official sources or professional guidance.

I paid the debt. When is it removed?

After payment or a completed agreement, removal should occur within the applicable rules. Keep proof and monitor official channels.

Does wrongful listing always lead to compensation?

No. It depends on evidence, context, and applicable understanding. This content is informational and does not replace case analysis.

If administrative measures did not solve it, we can review your case.