O Serasa score This is the credit score that banks and financial institutions use to decide whether to approve credit cards, loans, or financing. It ranges from 0 to 1000 and can be checked for free through the Serasa app, without any cost.
Choose one of the topics above to see the complete guide. If you don't know where to start, the guide on how to check your score for free is the first step.
What is the Serasa score?
The score is a number from 0 to 1000 calculated by Serasa Experian based on the CPF's credit history. It indicates the probability of the consumer paying their bills on time in the next 12 months.
- 0 300 to: Very high risk. Credit is almost always denied.
- 301 500 to: High risk. Limited access and high interest rates.
- 501 700 to: Medium risk. Access to basic products under reasonable conditions.
- 701 1000 to: Low risk. Best credit terms available.
How to check your credit score for free
The consultation is free through the Serasa app (Android and iPhone) or the website serasa.com.br. Simply register your CPF (Brazilian tax identification number), date of birth, and email address. The score appears immediately after the first login.
Checking your own credit score does not affect your score. Unlimited consultation is free for the CPF holder themselves.
What affects the score?
- Active negative entries (bad credit history) significantly reduce your score.
- On-time payments contribute positively in a cumulative way.
- Frequent CPF (Brazilian taxpayer ID) inquiries in a short period temporarily reduce the score.
- Activating the Positive Credit History program accelerates the credit score increase for those who pay their bills on time.
How does Positive Credit History help your credit score?
The Positive Credit History system records the history of bills paid on time and contributes positively to the credit score. Those who have an active Positive Credit History system and pay bills on time tend to have a score between 50 and 150 points higher than those who do not have the feature activated.
- Activation is free by Serasa app or website
- The effect begins to appear 30 to 60 days after activation.
- It is not possible to activate the account with active negative credit reports: first, it is necessary to settle the debts.
Frequently asked questions about Serasa score.
Is checking your score free?
Yes. Basic access to your Serasa score is free through the app and website. Paid plans exist but are optional. The score can be viewed at no cost.
Does a negative credit history reset your score?
Not necessarily, but it reduces it significantly. Depending on the number and value of the debts, the score can drop to the range of 0 to 300. After settling the debts, the score begins to recover gradually.
How long does it take for the score to go up?
With a positive credit history activated and payments up to date, the first effects appear in 30 to 60 days. Significant increases usually take 3 to 6 months of consistent history.
Is it normal for your credit score to differ between Serasa and SPC?
Yes. Each credit bureau has its own methodology and different database. The score can vary between Serasa, SPC, Boa Vista, and Quod for the same CPF (Brazilian individual taxpayer registration number).