See how to increase the score and improve your purchase limit


You know how to increase the score? The score has dozens of criteria to know whether a consumer is a good or bad payer and whether or not he should have access to credit. In other words, how likely is he to fail at some organization or go into debt over the next year, so it's always good to know how to increase his score.

Everyone on the planet, at some point in its history, needs credit. Whether it's making a card in a store or financing property or transportation, the score is substantial in changing the economy, allowing for purchases and sales of various amounts.


How to increase the score it's an interesting question. However, many people don't understand how this score works and don't know what can help increase your score. The score is a score that varies from 0 to 1,000 and is used by credit agencies to give an indication to organizations of the degree of confidence to lend money.

how to increase the score
Image: (Google) How to increase the score

How to increase the score - Score and definition?

The score generally measures the likelihood that a person will pay their bills and stay out of debt in the coming months. Is there only one type of score? No. Each credit bureau, bank, or other type of organization may have its own score. Although they have similarities to each other, they are not equivalent.

All of these organizations have specific criteria and components in their calculations, which are generally not disclosed in detail to customers. How can I check my score? The scores are available for free on the websites and applications of credit agencies such as Serasa, SPC, Boa Vista and Quod.

In addition to the score, they give more descriptive information about score variations as well as tips on what to do to increase the number or behaviors to avoid. What is a good score? The score ranges from 0 to 1,000 and the closer it is to the maximum, the greater the degree of consumer confidence.

Details – How to increase the score

  • The score is a reflection of the buyer's interaction with the market.
  • Specialized organizations collect data and calculate the score based on a mathematical-statistical model.
  • The evaluation is the result of the footprints left by the consumer when selling products, getting credit and paying bills, for example.
  • The system is self-sustainable: it gives credit and, if the consumer is a good payer, it produces more confidence for future negotiations.
  • Record data is also present in the scoring structure.


It is divided into 3 ranges: 0 to 300 is low, 301 to 700 is medium and 701 to 1,000 is high. How is the score calculated? How is the score calculated? While specific calculations for each credit bureau do not remain open, there are certain components that are known.

Organizations from different segments have the possibility to evaluate their score as part of the credit analysis process. The main ones are

  • Banks and financial institutions;
  • insurance companies
  • Construction and real estate organizations
  • Internet and telephone organizations
  • Monumental stores;
  • Institutions that grant loans to students. It is important to remember that credit approval is always a choice made by organizations, not by SERASA. Your credit score is just one of the components that go into this choice.

My score fluctuates – Should I be concerned?

Fluctuations of up to 100 are classic and don't have much effect. For the market, what is most relevant is its financial profile, represented by its degree of danger. Therefore, it is more relevant to understand your range and try to stay in it, or move up to a better one.

  • Very good: 701 – 1000
  • Good: 501 – 700
  • Regular: 301 – 500
  • Low: 0-300

Why is my score low?

The score represents your credit profile. Once you have a low score, it suggests that based on your financial behavior, ways to pay your bills on time are also low. Therefore, there may be problems accessing loans, credit cards, financing and other lines of credit.

For more information and tips on scoring, visit our applications tab, there you will find more information about applications, and job tips. The final tip is, pay your installments on time, because that way your score will be increasing considerably, as the score is based on these transactions.

Good luck!

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