{"id":77244,"date":"2026-03-18T17:15:16","date_gmt":"2026-03-18T20:15:16","guid":{"rendered":"https:\/\/economiasa.com.br\/blog\/?p=77244"},"modified":"2026-03-18T17:15:17","modified_gmt":"2026-03-18T20:15:17","slug":"score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao","status":"publish","type":"post","link":"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/","title":{"rendered":"Score de cr\u00e9dito: financeira revela crit\u00e9rios para subir a pontua\u00e7\u00e3o"},"content":{"rendered":"\n

Com a alta na procura por cr\u00e9dito no varejo e crescimento de 5,8% nas vendas financiadas no in\u00edcio de 2026. A alta na demanda por cr\u00e9dito esbarra nos crit\u00e9rios de aprova\u00e7\u00e3o das institui\u00e7\u00f5es, que utilizam o score estat\u00edstico para medir o risco de inadimpl\u00eancia de cada Cadastro de Pessoa F\u00edsica (CPF) no momento da compra.<\/em><\/p>\n\n\n\n

A busca por cr\u00e9dito no varejo segue em alta no Brasil, refor\u00e7ando a import\u00e2ncia do score de cr\u00e9dito, indicador utilizado por bancos e financeiras para estimar o risco de inadimpl\u00eancia do consumidor na aprova\u00e7\u00e3o de compras financiadas. Dados da Top One Financeira mostram que as vendas via credi\u00e1rio cresceram 5,8% no primeiro bimestre de 2026. Fundada em 2018 e especializada em cr\u00e9dito ao consumo, a empresa atua em mais de 3 mil pontos de venda no pa\u00eds e j\u00e1 analisou mais de R$ 2,5 bilh\u00f5es em solicita\u00e7\u00f5es de cr\u00e9dito.<\/p>\n\n\n\n

Segundo especialistas da Top One, o score de cr\u00e9dito no Brasil varia, em geral, de 0 a 1.000 pontos. Scores acima de 700 indicam baixo risco de inadimpl\u00eancia e costumam facilitar a libera\u00e7\u00e3o de cr\u00e9dito no caixa das lojas. O score de cr\u00e9dito re\u00fane o hist\u00f3rico de pagamentos, o comportamento financeiro e as informa\u00e7\u00f5es cadastrais do consumidor para estimar o risco de inadimpl\u00eancia. Quanto maior a pontua\u00e7\u00e3o, maior tende a ser a confian\u00e7a das institui\u00e7\u00f5es financeiras na capacidade de pagamento do cliente.<\/p>\n\n\n\n

Para Klaus Gustavo Benner, especialista em an\u00e1lise de cr\u00e9dito e diretor da\u00a0Top One<\/a>\u00a0Financeira, acompanhar a pr\u00f3pria pontua\u00e7\u00e3o \u00e9 um passo importante para quem pretende acessar cr\u00e9dito em melhores condi\u00e7\u00f5es. \u201cHoje o consumidor pode consultar o seu score gratuitamente nos aplicativos dos bureaus de cr\u00e9dito como Equifax\/Boa Vista, Serasa Experian e SPC Brasil, e acompanhar a evolu\u00e7\u00e3o da pontua\u00e7\u00e3o ao longo do tempo. Esse monitoramento ajuda a entender como o comportamento financeiro influencia o indicador e permite identificar eventuais pend\u00eancias ou inconsist\u00eancias cadastrais antes de solicitar cr\u00e9dito\u201d, afirma.<\/p>\n\n\n\n

Um erro comum, segundo ele, \u00e9 acreditar que apenas retirar uma d\u00edvida negativa resolve automaticamente a situa\u00e7\u00e3o. \u201cO score tende a evoluir gradualmente \u00e0 medida que o consumidor mant\u00e9m pagamentos em dia e constr\u00f3i um hist\u00f3rico financeiro mais consistente\u201d, afirma.<\/p>\n\n\n\n

Entre os fatores considerados nos modelos de score est\u00e3o o hist\u00f3rico de pagamentos, o n\u00edvel de endividamento, o tempo de relacionamento com o cr\u00e9dito e a frequ\u00eancia de consultas ao CPF em busca de financiamento. No ambiente do Cadastro Positivo, que re\u00fane informa\u00e7\u00f5es sobre o hist\u00f3rico de pagamentos do consumidor, como contas, financiamentos e cart\u00f5es, os bureaus de cr\u00e9dito passaram a considerar tamb\u00e9m a pontualidade no pagamento das obriga\u00e7\u00f5es financeiras na an\u00e1lise, contribuindo para uma avalia\u00e7\u00e3o mais ampla do comportamento financeiro do consumidor ao longo do tempo.<\/p>\n","protected":false},"excerpt":{"rendered":"

Com a alta na procura por cr\u00e9dito no varejo e crescimento de 5,8% nas vendas financiadas no in\u00edcio de 2026. A alta…<\/p>\n","protected":false},"author":13,"featured_media":77245,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2160],"tags":[],"ppma_author":[13237],"class_list":{"0":"post-77244","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-financas"},"yoast_head":"\nScore de cr\u00e9dito: financeira revela crit\u00e9rios para subir a pontua\u00e7\u00e3o - Economia S\/A<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Score de cr\u00e9dito: financeira revela crit\u00e9rios para subir a pontua\u00e7\u00e3o - Economia S\/A\" \/>\n<meta property=\"og:description\" content=\"Com a alta na procura por cr\u00e9dito no varejo e crescimento de 5,8% nas vendas financiadas no in\u00edcio de 2026. A alta...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/\" \/>\n<meta property=\"og:site_name\" content=\"Economia S\/A\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-18T20:15:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-18T20:15:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/economiasa.com.br\/blog\/wp-content\/uploads\/2026\/03\/Divulgacao-Freepik-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"533\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Reda\u00e7\u00e3o\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Reda\u00e7\u00e3o\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. tempo de leitura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/\"},\"author\":{\"name\":\"Reda\u00e7\u00e3o\",\"@id\":\"https:\/\/economiasa.com.br\/blog\/#\/schema\/person\/57f2dfaf8250a36d041a4e4cf0498faf\"},\"headline\":\"Score de cr\u00e9dito: financeira revela crit\u00e9rios para subir a pontua\u00e7\u00e3o\",\"datePublished\":\"2026-03-18T20:15:16+00:00\",\"dateModified\":\"2026-03-18T20:15:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/\"},\"wordCount\":509,\"image\":{\"@id\":\"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/economiasa.com.br\/blog\/wp-content\/uploads\/2026\/03\/Divulgacao-Freepik-1.png\",\"articleSection\":[\"Finan\u00e7as\"],\"inLanguage\":\"pt-BR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/\",\"url\":\"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/\",\"name\":\"Score de cr\u00e9dito: financeira revela crit\u00e9rios para subir a pontua\u00e7\u00e3o - Economia S\/A\",\"isPartOf\":{\"@id\":\"https:\/\/economiasa.com.br\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/economiasa.com.br\/blog\/wp-content\/uploads\/2026\/03\/Divulgacao-Freepik-1.png\",\"datePublished\":\"2026-03-18T20:15:16+00:00\",\"dateModified\":\"2026-03-18T20:15:17+00:00\",\"author\":{\"@id\":\"https:\/\/economiasa.com.br\/blog\/#\/schema\/person\/57f2dfaf8250a36d041a4e4cf0498faf\"},\"breadcrumb\":{\"@id\":\"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/#breadcrumb\"},\"inLanguage\":\"pt-BR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-BR\",\"@id\":\"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/#primaryimage\",\"url\":\"https:\/\/economiasa.com.br\/blog\/wp-content\/uploads\/2026\/03\/Divulgacao-Freepik-1.png\",\"contentUrl\":\"https:\/\/economiasa.com.br\/blog\/wp-content\/uploads\/2026\/03\/Divulgacao-Freepik-1.png\",\"width\":800,\"height\":533,\"caption\":\"Divulgacao-Freepik\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"In\u00edcio\",\"item\":\"https:\/\/economiasa.com.br\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Score de cr\u00e9dito: financeira revela crit\u00e9rios para subir a pontua\u00e7\u00e3o\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/economiasa.com.br\/blog\/#website\",\"url\":\"https:\/\/economiasa.com.br\/blog\/\",\"name\":\"Economia S\/A\",\"description\":\"Ler faz bem para os neg\u00f3cios\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/economiasa.com.br\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"pt-BR\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/economiasa.com.br\/blog\/#\/schema\/person\/57f2dfaf8250a36d041a4e4cf0498faf\",\"name\":\"Reda\u00e7\u00e3o\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-BR\",\"@id\":\"https:\/\/secure.gravatar.com\/avatar\/b9a74cf83ab7b387115b660a012a810ba4283a49e2dc1845eacfc09fd7fadd4b?s=96&d=mm&r=g8b4e5e7107f0781ab9bc60df20107da5\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b9a74cf83ab7b387115b660a012a810ba4283a49e2dc1845eacfc09fd7fadd4b?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/b9a74cf83ab7b387115b660a012a810ba4283a49e2dc1845eacfc09fd7fadd4b?s=96&d=mm&r=g\",\"caption\":\"Reda\u00e7\u00e3o\"},\"url\":\"https:\/\/economiasa.com.br\/blog\/author\/vhassessoriagmail-com\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Score de cr\u00e9dito: financeira revela crit\u00e9rios para subir a pontua\u00e7\u00e3o - Economia S\/A","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/","og_locale":"pt_BR","og_type":"article","og_title":"Score de cr\u00e9dito: financeira revela crit\u00e9rios para subir a pontua\u00e7\u00e3o - Economia S\/A","og_description":"Com a alta na procura por cr\u00e9dito no varejo e crescimento de 5,8% nas vendas financiadas no in\u00edcio de 2026. A alta...","og_url":"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/","og_site_name":"Economia S\/A","article_published_time":"2026-03-18T20:15:16+00:00","article_modified_time":"2026-03-18T20:15:17+00:00","og_image":[{"width":800,"height":533,"url":"https:\/\/economiasa.com.br\/blog\/wp-content\/uploads\/2026\/03\/Divulgacao-Freepik-1.png","type":"image\/png"}],"author":"Reda\u00e7\u00e3o","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Reda\u00e7\u00e3o","Est. tempo de leitura":"3 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/#article","isPartOf":{"@id":"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/"},"author":{"name":"Reda\u00e7\u00e3o","@id":"https:\/\/economiasa.com.br\/blog\/#\/schema\/person\/57f2dfaf8250a36d041a4e4cf0498faf"},"headline":"Score de cr\u00e9dito: financeira revela crit\u00e9rios para subir a pontua\u00e7\u00e3o","datePublished":"2026-03-18T20:15:16+00:00","dateModified":"2026-03-18T20:15:17+00:00","mainEntityOfPage":{"@id":"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/"},"wordCount":509,"image":{"@id":"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/#primaryimage"},"thumbnailUrl":"https:\/\/economiasa.com.br\/blog\/wp-content\/uploads\/2026\/03\/Divulgacao-Freepik-1.png","articleSection":["Finan\u00e7as"],"inLanguage":"pt-BR"},{"@type":"WebPage","@id":"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/","url":"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/","name":"Score de cr\u00e9dito: financeira revela crit\u00e9rios para subir a pontua\u00e7\u00e3o - Economia S\/A","isPartOf":{"@id":"https:\/\/economiasa.com.br\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/#primaryimage"},"image":{"@id":"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/#primaryimage"},"thumbnailUrl":"https:\/\/economiasa.com.br\/blog\/wp-content\/uploads\/2026\/03\/Divulgacao-Freepik-1.png","datePublished":"2026-03-18T20:15:16+00:00","dateModified":"2026-03-18T20:15:17+00:00","author":{"@id":"https:\/\/economiasa.com.br\/blog\/#\/schema\/person\/57f2dfaf8250a36d041a4e4cf0498faf"},"breadcrumb":{"@id":"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/#breadcrumb"},"inLanguage":"pt-BR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/"]}]},{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/#primaryimage","url":"https:\/\/economiasa.com.br\/blog\/wp-content\/uploads\/2026\/03\/Divulgacao-Freepik-1.png","contentUrl":"https:\/\/economiasa.com.br\/blog\/wp-content\/uploads\/2026\/03\/Divulgacao-Freepik-1.png","width":800,"height":533,"caption":"Divulgacao-Freepik"},{"@type":"BreadcrumbList","@id":"https:\/\/economiasa.com.br\/blog\/score-de-credito-financeira-revela-criterios-para-subir-a-pontuacao\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"In\u00edcio","item":"https:\/\/economiasa.com.br\/blog\/"},{"@type":"ListItem","position":2,"name":"Score de cr\u00e9dito: financeira revela crit\u00e9rios para subir a pontua\u00e7\u00e3o"}]},{"@type":"WebSite","@id":"https:\/\/economiasa.com.br\/blog\/#website","url":"https:\/\/economiasa.com.br\/blog\/","name":"Economia S\/A","description":"Ler faz bem para os neg\u00f3cios","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/economiasa.com.br\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pt-BR"},{"@type":"Person","@id":"https:\/\/economiasa.com.br\/blog\/#\/schema\/person\/57f2dfaf8250a36d041a4e4cf0498faf","name":"Reda\u00e7\u00e3o","image":{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/secure.gravatar.com\/avatar\/b9a74cf83ab7b387115b660a012a810ba4283a49e2dc1845eacfc09fd7fadd4b?s=96&d=mm&r=g8b4e5e7107f0781ab9bc60df20107da5","url":"https:\/\/secure.gravatar.com\/avatar\/b9a74cf83ab7b387115b660a012a810ba4283a49e2dc1845eacfc09fd7fadd4b?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b9a74cf83ab7b387115b660a012a810ba4283a49e2dc1845eacfc09fd7fadd4b?s=96&d=mm&r=g","caption":"Reda\u00e7\u00e3o"},"url":"https:\/\/economiasa.com.br\/blog\/author\/vhassessoriagmail-com\/"}]}},"authors":[{"term_id":13237,"user_id":13,"is_guest":0,"slug":"vhassessoriagmail-com","display_name":"Reda\u00e7\u00e3o","avatar_url":"https:\/\/secure.gravatar.com\/avatar\/b9a74cf83ab7b387115b660a012a810ba4283a49e2dc1845eacfc09fd7fadd4b?s=96&d=mm&r=g","0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/economiasa.com.br\/blog\/wp-json\/wp\/v2\/posts\/77244","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/economiasa.com.br\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/economiasa.com.br\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/economiasa.com.br\/blog\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/economiasa.com.br\/blog\/wp-json\/wp\/v2\/comments?post=77244"}],"version-history":[{"count":0,"href":"https:\/\/economiasa.com.br\/blog\/wp-json\/wp\/v2\/posts\/77244\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/economiasa.com.br\/blog\/wp-json\/wp\/v2\/media\/77245"}],"wp:attachment":[{"href":"https:\/\/economiasa.com.br\/blog\/wp-json\/wp\/v2\/media?parent=77244"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/economiasa.com.br\/blog\/wp-json\/wp\/v2\/categories?post=77244"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/economiasa.com.br\/blog\/wp-json\/wp\/v2\/tags?post=77244"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/economiasa.com.br\/blog\/wp-json\/wp\/v2\/ppma_author?post=77244"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}