⚠️ COMO LIMPAR O NOME (SEM PAGAR A DÍVIDA) EM ATÉ 90 DIAS | Como LIMPAR NOME SUJO no SPC SERASA

Summary

In this video, Marcelo Beline reveals a legal method to clean your name from credit agencies like Serasa and SPC without paying off your debts, using Law 8078, Article 42. He explains how this method works, offering a solution that helps restore your consumer rights and access to credit within 90 days. While the service does not settle your debts, it removes negative listings and provides additional benefits like CPF protection and score restoration. Marcelo emphasizes the importance of responsible financial management and offers tips on rebuilding credit after the service is applied.

Takeaways

• 😀 You can clean your name in up to 90 days by using a legal method, without having to pay off your debts.
• 😀 The goal of the video is to help you invest and manage your finances better, not to focus on debts.
• 😀 The solution presented works within the law to remove negative credit reports from institutions like Serasa and SPC.
• 😀 The key legal basis is Law 8078, Article 42, which protects consumers from being exposed to ridicule or threats due to debt.
• 😀 This service only cleans your name; it does not involve negotiating with creditors or paying off debts.
• 😀 Once your name is cleared, you gain access to consumer rights and the ability to access credit again.
• 😀 The service includes three main features: cleaning your name, blocking negative credit reporting, and restoring your credit score.
• 😀 The service is not about debt cancellation but helps by taking your name off blacklists so you can negotiate debts at your convenience.
• 😀 You should not use the service to take on more debt irresponsibly; maintaining a good credit score depends on future financial behavior.
• 😀 If you are unable to meet debt obligations in the future, your name will remain protected from further negative credit reporting.

Q & A

What is the method being offered in the video for clearing your name?

The method involves using a legal approach to remove negative marks from your credit report (such as from SPC or Serasa) within 90 days, without having to pay off the debts. It uses a law to petition for the removal of these negative records, allowing you to regain your consumer rights.

How does this method work legally?

The method works by invoking Article 42 of the Consumer Protection Code (Law 8078), which ensures that a consumer's name should not be exposed to humiliation or coercion during debt collection. The legal petition is filed to have the negative marks removed, without affecting the debt itself.

What does the service actually provide?

The service removes negative credit entries (such as protests, bounced checks, and bank restrictions) from credit agencies like Serasa and SPC, restores access to credit, and shields your CPF (Brazilian tax ID) from future negative entries. It also helps restore your credit score after 30 days.

What is the guarantee offered with this service?

The service is guaranteed under the law, and there is a clause in the contract stating that if the name is not cleared within 90 days, the company will refund the money. The removal of the negative entries is assured, but the restoration of credit depends on other factors.

Is this service a form of debt forgiveness?

No, the service does not forgive the debt itself. It only removes the negative records from credit agencies, allowing you to regain access to credit and negotiate your debt on your own terms.

What happens after my name is cleared?

After your name is cleared, you will have access to your consumer rights again, including access to credit. However, your actual creditworthiness (score) may take up to 30 days to restore to its previous level, and it will depend on how you manage your finances moving forward.

Can this method help me regain access to credit immediately?

While this method clears your name from credit agencies, restoring access to credit will depend on other factors such as your current income, debt load, and the bank's criteria. It is essential to build a good credit history after your name is cleared.

How can I maintain a good credit score after clearing my name?

To maintain a good credit score, it’s important to manage your finances responsibly. This includes paying bills on time and avoiding accumulating debt. Additionally, you should open a new bank account at a bank where you don't have previous debts, and use it to build a positive credit history.

What if I have a debt that was previously settled but is still on my credit report?

This service can help remove any historical negative entries, even if the debt has already been paid. However, the debt itself will still exist and must be handled separately. The service only addresses the removal of the negative marks from credit reports.

Are there any risks involved with using this service?

The main risk is that the service does not pay off your debts; it only removes the negative marks. If you don’t manage your finances well after the negative records are removed, you could fall into debt again. It is important to stay on top of your financial obligations and use the credit responsibly.