If you are a Banco do Brasil customer and want to increase your internal score, it is important to know that there are some measures that can help you improve your rating and thus obtain better credit conditions.
Banco do Brasil's internal score is an evaluation that takes into account the history of the customer's relationship with the institution, including their payment habits, financial transactions and use of the bank's services. This assessment may influence the offer of products and services, credit limits and interest rates.
We separate here at Coliseu Geek some useful tips to increase your internal score at Banco do Brasil:
Have Banco do Brasil Products
Having a relationship with Banco Banco do Brasil will help you a lot to get good limits, because that way the bank will assess your risk, solvency (money available in the account) and declared income and presumed income with greater assertiveness.
We recommend that you have at least three Banco do Brasil products that make sense for your moment in life, be it a private pension plan, capitalization, home or car insurance, life insurance, investments greater than R$ 10 thousand to R$ 35 thousand, have your income updated every 90 days, data up-to-date accounts, direct debit accounts, programmed savings, or if it makes sense for your moment in life and profile, a consortium.
Do not hire a bank product just to hire, review and evaluate which products make the most sense for you before hiring.
Use Banco do Brasil Services
Use bank services often, often. Banco do Brasil may take into account the use of bank services, such as credit cards, checking accounts and loans, when evaluating the internal score. Use these services frequently, but not overly, to show that you are an active and responsible customer.
Payment History at Banco do Brasil
Keep a good payment history: As with any other credit score, payment history is an important factor in assessing Banco do Brasil's internal score. Make sure you pay your bills on time and avoid late or bad debt.
Positive Balance in the Banco do Brasil Account
Keep a positive checking account balance: Keeping a positive checking account balance can demonstrate that you are in good financial health and able to manage your finances efficiently.
Do not have Negatives in the CPF or CNPJ
Avoid being negative: Banco do Brasil can also take into account whether the customer is negative or not when calculating the internal score. Avoid having overdue and negative accounts with credit protection agencies, such as Serasa and SPC.
Keep Registration Data Updated
Update your registration data: Keeping your registration data updated, such as address and telephone number, can help Banco do Brasil to have a more complete customer profile and, consequently, a more accurate assessment of the internal score.
In short, increasing the internal score on the Bank of Brazil it can bring many benefits, such as better credit and financing conditions.
Keep a good payment history, use bank services frequently, keep a positive balance in your current account, have bank products, avoid being negative and update your registration data.
By following these tips that we have separated for you, you can improve your rating and have a healthier and more advantageous relationship with Banco Banco do Brasil.
