{"id":7155,"date":"2020-05-18T21:05:11","date_gmt":"2020-05-18T21:05:11","guid":{"rendered":"https:\/\/bancofibra.com.br\/?page_id=7155"},"modified":"2023-08-10T01:36:42","modified_gmt":"2023-08-10T01:36:42","slug":"cadastro-positivo","status":"publish","type":"page","link":"https:\/\/bancofibra.com.br\/en\/cadastro-positivo\/","title":{"rendered":"Positive Credit Registry"},"content":{"rendered":"<div  class=\"tatsu-qe06s10c_v tatsu-section  tatsu-bg-overlay   tatsu-clearfix\" data-title=\"\"  data-headerscheme=\"background--dark\"><div class='tatsu-section-pad clearfix' data-padding='{\"d\":\"45px 0px 90px 0px\",\"m\":\"80px 30px 80px 30px\",\"t\":\"90px 30px 90px 30px\"}' data-padding-top='80px'><div class=\"tatsu-row-wrap  tatsu-wrap tatsu-row-one-col tatsu-row-has-one-cols tatsu-medium-gutter tatsu-reg-cols  tatsu-clearfix tatsu-LX1mBEzyjC\" ><div  class=\"tatsu-row\" ><div  class=\"tatsu-column  tatsu-bg-overlay tatsu-one-col tatsu-column-image-none tatsu-column-effect-none  tatsu-cpLFOePDm\"  data-parallax-speed=\"0\" style=\"\"><div class=\"tatsu-column-inner\" ><div class=\"tatsu-column-pad-wrap\"><div class=\"tatsu-column-pad\" ><div  class=\"tatsu-module tatsu-inline-text clearfix tatsu-YgmT1__ta  tatsu-hide-tablet tatsu-hide-mobile\" ><style>.tatsu-YgmT1__ta .tatsu-inline-text-inner{width: 100%;text-align: left;}.tatsu-YgmT1__ta.tatsu-inline-text{margin: 50px 0px 50px 0px;}.tatsu-YgmT1__ta.tatsu-inline-text .tatsu-inline-text-inner *{font-family : \"DMSerifText-Regular\",-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Oxygen-Sans,Ubuntu,Cantarell,'Helvetica Neue',sans-serif;text-transform : none;font-size : 56px;line-height : 58px;}@media only screen and (max-width: 767px) {.tatsu-YgmT1__ta .tatsu-inline-text-inner{width: 100%;}.tatsu-YgmT1__ta.tatsu-inline-text .tatsu-inline-text-inner *{font-family : \"Roboto\",-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Oxygen-Sans,Ubuntu,Cantarell,'Helvetica Neue',sans-serif;font-weight : 700;text-transform : none;font-size : 26px;line-height : 28px;}}<\/style><div class=\"tatsu-inline-text-inner\">\n<p><span style=\"color: #082a4d;\">Positive Credit Registry<\/span><\/p>\n<\/div><\/div><\/div><\/div><div class = \"tatsu-column-bg-image-wrap\"><div class = \"tatsu-column-bg-image\" ><\/div><\/div><div class=\"tatsu-overlay tatsu-column-overlay tatsu-animate-none\" ><\/div><\/div><style>.tatsu-row > .tatsu-cpLFOePDm.tatsu-column{width: 100%;}.tatsu-cpLFOePDm.tatsu-column > .tatsu-column-inner > .tatsu-column-overlay{mix-blend-mode: normal;}.tatsu-cpLFOePDm > .tatsu-column-inner > .tatsu-top-divider{z-index: 9999;}.tatsu-cpLFOePDm > .tatsu-column-inner > .tatsu-bottom-divider{z-index: 9999;}.tatsu-cpLFOePDm > .tatsu-column-inner > .tatsu-left-divider{z-index: 9999;}.tatsu-cpLFOePDm > .tatsu-column-inner > .tatsu-right-divider{z-index: 9999;}@media only screen and (max-width:1377px) {.tatsu-row > .tatsu-cpLFOePDm.tatsu-column{width: 100%;}}@media only screen and (min-width:768px) and (max-width: 1024px) {.tatsu-row > .tatsu-cpLFOePDm.tatsu-column{width: 100%;}}@media only screen and (max-width: 767px) {.tatsu-row > .tatsu-cpLFOePDm.tatsu-column{width: 100%;}}<\/style><\/div><\/div><\/div><\/div><div class=\"tatsu-section-background-wrap\"><div class = \"tatsu-section-background\" ><\/div><\/div><div class=\"tatsu-overlay tatsu-section-overlay\"><\/div><style>.tatsu-qe06s10c_v .tatsu-section-background{background-image: url(https:\/\/bancofibra.com.br\/wp-content\/uploads\/2020\/05\/img_cadastro1x.jpg);background-repeat: no-repeat;background-attachment: scroll;background-position: top left;background-size: cover;}.tatsu-qe06s10c_v .tatsu-bg-blur{background-repeat: no-repeat;background-attachment: scroll;background-position: top left;background-size: cover;}.tatsu-qe06s10c_v .tatsu-section-pad{padding: 45px 0px 90px 0px;}.tatsu-qe06s10c_v .tatsu-section-offset-wrap{transform: translateY(-0px);}.tatsu-qe06s10c_v > .tatsu-bottom-divider{z-index: 9999;}.tatsu-qe06s10c_v > .tatsu-top-divider{z-index: 9999;}.tatsu-qe06s10c_v .tatsu-section-overlay{mix-blend-mode: normal;}@media only screen and (min-width:768px) and (max-width: 1024px) {.tatsu-qe06s10c_v .tatsu-section-pad{padding: 90px 30px 90px 30px;}}@media only screen and (max-width: 767px) {.tatsu-qe06s10c_v .tatsu-section-background{background-position: top right;}.tatsu-qe06s10c_v .tatsu-bg-blur{background-position: top right;}.tatsu-qe06s10c_v .tatsu-section-pad{padding: 80px 30px 80px 30px;}}<\/style><\/div><div  class=\"tatsu-V4kel1bcVy tatsu-section  tatsu-bg-overlay tatsu-hide-desktop tatsu-hide-laptop   tatsu-clearfix\" data-title=\"\"  data-headerscheme=\"background--dark\"><div class='tatsu-section-pad clearfix' data-padding='{\"d\":\"0px 0px 76px 0px\"}' data-padding-top='0px'><div class=\"tatsu-row-wrap  tatsu-wrap tatsu-row-one-col tatsu-row-has-one-cols tatsu-medium-gutter tatsu-reg-cols  tatsu-clearfix tatsu-OFajr6U8wo\" ><div  class=\"tatsu-row\" ><div  class=\"tatsu-column  tatsu-bg-overlay tatsu-one-col tatsu-column-image-none tatsu-column-effect-none  tatsu-ge8W8sJF-\"  data-parallax-speed=\"0\" style=\"\"><div class=\"tatsu-column-inner\" ><div class=\"tatsu-column-pad-wrap\"><div class=\"tatsu-column-pad\" ><div  class=\"tatsu-module tatsu-inline-text clearfix tatsu-3zRGlxmag\" ><style>.tatsu-3zRGlxmag .tatsu-inline-text-inner{width: 100%;text-align: left;}.tatsu-3zRGlxmag.tatsu-inline-text{margin: 50px 0px 50px 0px;}.tatsu-3zRGlxmag.tatsu-inline-text .tatsu-inline-text-inner *{font-family : \"DMSerifText-Regular\",-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Oxygen-Sans,Ubuntu,Cantarell,'Helvetica Neue',sans-serif;font-size : 56px;line-height : 58px;}@media only screen and (min-width:768px) and (max-width: 1024px) {.tatsu-3zRGlxmag.tatsu-inline-text .tatsu-inline-text-inner *{font-family : \"DMSerifText-Regular\",-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Oxygen-Sans,Ubuntu,Cantarell,'Helvetica Neue',sans-serif;text-transform : none;font-size : 56px;line-height : 58px;}}@media only screen and (max-width: 767px) {.tatsu-3zRGlxmag .tatsu-inline-text-inner{width: 100%;}.tatsu-3zRGlxmag.tatsu-inline-text .tatsu-inline-text-inner *{font-family : \"DMSerifText-Regular\",-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Oxygen-Sans,Ubuntu,Cantarell,'Helvetica Neue',sans-serif;text-transform : none;font-size : 26px;line-height : 28px;}}<\/style><div class=\"tatsu-inline-text-inner\">\n<p><span style=\"color: #ffffff;\">Positive Credit Registry<\/span><\/p>\n<\/div><\/div><\/div><\/div><div class = \"tatsu-column-bg-image-wrap\"><div class = \"tatsu-column-bg-image\" ><\/div><\/div><div class=\"tatsu-overlay tatsu-column-overlay tatsu-animate-none\" ><\/div><\/div><style>.tatsu-row > .tatsu-ge8W8sJF-.tatsu-column{width: 100%;}.tatsu-ge8W8sJF-.tatsu-column > .tatsu-column-inner > .tatsu-column-overlay{mix-blend-mode: normal;}.tatsu-ge8W8sJF- > .tatsu-column-inner > .tatsu-top-divider{z-index: 9999;}.tatsu-ge8W8sJF- > .tatsu-column-inner > .tatsu-bottom-divider{z-index: 9999;}.tatsu-ge8W8sJF- > .tatsu-column-inner > .tatsu-left-divider{z-index: 9999;}.tatsu-ge8W8sJF- > .tatsu-column-inner > .tatsu-right-divider{z-index: 9999;}@media only screen and (max-width:1377px) {.tatsu-row > .tatsu-ge8W8sJF-.tatsu-column{width: 100%;}}@media only screen and (min-width:768px) and (max-width: 1024px) {.tatsu-row > .tatsu-ge8W8sJF-.tatsu-column{width: 100%;}}@media only screen and (max-width: 767px) {.tatsu-row > .tatsu-ge8W8sJF-.tatsu-column{width: 100%;}}<\/style><\/div><\/div><\/div><\/div><div class=\"tatsu-section-background-wrap\"><div class = \"tatsu-section-background\" ><\/div><\/div><div class=\"tatsu-overlay tatsu-section-overlay\"><\/div><style>.tatsu-V4kel1bcVy.tatsu-section{background-color: rgba(8,42,77,1);}.tatsu-V4kel1bcVy .tatsu-section-pad{padding: 0px 0px 76px 0px;}.tatsu-V4kel1bcVy .tatsu-section-offset-wrap{transform: translateY(-0px);}.tatsu-V4kel1bcVy > .tatsu-bottom-divider{z-index: 9999;}.tatsu-V4kel1bcVy > .tatsu-top-divider{z-index: 9999;}.tatsu-V4kel1bcVy .tatsu-section-overlay{mix-blend-mode: normal;}<\/style><\/div><div  class=\"tatsu-smFTl_grTP tatsu-section  tatsu-bg-overlay   tatsu-clearfix\" data-title=\"\"  data-headerscheme=\"background--dark\"><div class='tatsu-section-pad clearfix' data-padding='{\"d\":\"0px 0px 66px 0px\",\"m\":\"30px 30px 30px 30px\",\"t\":\"90px 30px 90px 30px\"}' data-padding-top='30px'><div class=\"tatsu-row-wrap  tatsu-wrap tatsu-row-one-col tatsu-row-has-one-cols tatsu-medium-gutter tatsu-reg-cols  tatsu-clearfix tatsu-OKcv6tWUac\" ><style>.tatsu-OKcv6tWUac > .tatsu-row{margin-top: 150px;}.tatsu-OKcv6tWUac.tatsu-row-wrap > .tatsu-row{margin-bottom: 0px;}<\/style><div  class=\"tatsu-row\" ><div  class=\"tatsu-column  tatsu-bg-overlay tatsu-one-col tatsu-column-image-none tatsu-column-effect-none  tatsu-KqzSXFY0X\"  data-parallax-speed=\"0\" style=\"\"><div class=\"tatsu-column-inner\" ><div class=\"tatsu-column-pad-wrap\"><div class=\"tatsu-column-pad\" ><div  class=\"tatsu-module tatsu-text-block-wrap tatsu-gcoantlbvee687ek\"><div class=\"tatsu-text-inner tatsu-align-center  clearfix\" ><style>.tatsu-gcoantlbvee687ek.tatsu-text-block-wrap .tatsu-text-inner{width: 100%;text-align: center;color: rgba(8,42,77,1) ;}.tatsu-gcoantlbvee687ek .tatsu-text-inner *{color: rgba(8,42,77,1) ;}.tatsu-gcoantlbvee687ek.tatsu-text-block-wrap .tatsu-text-inner *{font-family : \"DMSerifText-Regular\",-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Oxygen-Sans,Ubuntu,Cantarell,'Helvetica Neue',sans-serif;font-size : 46px;line-height : 50px;}@media only screen and (max-width: 767px) {.tatsu-gcoantlbvee687ek.tatsu-text-block-wrap .tatsu-text-inner *{font-family : \"Roboto\",-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Oxygen-Sans,Ubuntu,Cantarell,'Helvetica Neue',sans-serif;font-weight : 700;text-transform : none;font-size : 18px;line-height : 20px;}}<\/style>\n<p>Perguntas Frequentes<\/p>\n<\/div><\/div><div  class=\"tatsu-shortcode-module tatsu-module tatsu-bQSHSEc9Q\"  ><div id=\"accordions-7160\" class=\"accordions-7160 accordions\" data-accordions=\"{&quot;lazyLoad&quot;:true,&quot;id&quot;:&quot;7160&quot;,&quot;event&quot;:&quot;click&quot;,&quot;collapsible&quot;:&quot;true&quot;,&quot;heightStyle&quot;:&quot;content&quot;,&quot;animateStyle&quot;:&quot;swing&quot;,&quot;animateDelay&quot;:1000,&quot;navigation&quot;:true,&quot;active&quot;:999,&quot;expandedOther&quot;:&quot;no&quot;}\">\r\n                <div id=\"accordions-lazy-7160\" class=\"accordions-lazy\" accordionsid=\"7160\">\r\n                    <\/div>\r\n\r\n    <div class=\"items\"  style=\"display:none\" >\r\n    \r\n            <div post_id=\"7160\" itemcount=\"0\"  header_id=\"header-1589842387894\" id=\"header-1589842387894\" style=\"\" class=\"accordions-head head1589842387894 border-none\" toggle-text=\"\" main-text=\"O que \u00e9 o Cadastro Positivo?\">\r\n                                    <span id=\"header-text-1589842387894\" class=\"accordions-head-title\">O que \u00e9 o Cadastro Positivo?<\/span>\r\n                    <span id=\"accordion-icons-1589842387894\" class=\"accordion-icons\">\r\n                        <span class=\"accordion-icon-active accordion-plus\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\r\n                        <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\r\n                    <\/span>\r\n                            <\/div>\r\n            <div class=\"accordion-content content1589842387894\">\r\n                O Cadastro Positivo \u00e9 um conjunto de banco de dados que armazena informa\u00e7\u00f5es financeiras e obriga\u00e7\u00f5es de pagamento j\u00e1 realizadas (adimplidas) ou em andamento (a vencer) de pessoas f\u00edsicas e jur\u00eddicas.            <\/div>\r\n    \r\n            <div post_id=\"7160\" itemcount=\"1\"  header_id=\"header-1589842442943\" id=\"header-1589842442943\" style=\"\" class=\"accordions-head head1589842442943 border-none\" toggle-text=\"\" main-text=\"Para que serve o Cadastro Positivo?\">\r\n                                    <span id=\"header-text-1589842442943\" class=\"accordions-head-title\">Para que serve o Cadastro Positivo?<\/span>\r\n                    <span id=\"accordion-icons-1589842442943\" class=\"accordion-icons\">\r\n                        <span class=\"accordion-icon-active accordion-plus\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\r\n                        <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\r\n                    <\/span>\r\n                            <\/div>\r\n            <div class=\"accordion-content content1589842442943\">\r\n                O prop\u00f3sito do Cadastro Positivo \u00e9 benef\u00edciar aqueles que possuem um bom hist\u00f3rico de cr\u00e9dito e uma boa pontua\u00e7\u00e3o, de modo a facilitar a obten\u00e7\u00e3o de cr\u00e9dito, a realiza\u00e7\u00e3o de compra e venda a prazo e\/ou transa\u00e7\u00f5es comerciais e empresariais, que impliquem em risco financeiro.            <\/div>\r\n    \r\n            <div post_id=\"7160\" itemcount=\"2\"  header_id=\"header-1589842599523\" id=\"header-1589842599523\" style=\"\" class=\"accordions-head head1589842599523 border-none\" toggle-text=\"\" main-text=\"Qual \u00e9 a diferen\u00e7a entre Cadastro Positivo e Cadastro Negativo?\">\r\n                                    <span id=\"header-text-1589842599523\" class=\"accordions-head-title\">Qual \u00e9 a diferen\u00e7a entre Cadastro Positivo e Cadastro Negativo?<\/span>\r\n                    <span id=\"accordion-icons-1589842599523\" class=\"accordion-icons\">\r\n                        <span class=\"accordion-icon-active accordion-plus\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\r\n                        <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\r\n                    <\/span>\r\n                            <\/div>\r\n            <div class=\"accordion-content content1589842599523\">\r\n                O Cadastro Negativo, \u00a0considera apenas a inadimpl\u00eancia, por meio de informa\u00e7\u00f5es sobre d\u00edvidas vencidas e n\u00e3o pagas.\r\n\r\nJ\u00e1 o Cadastro Positivo, considera dados relacionados ao adimplemento, ou seja, compromissos quitados no prazo, pagamentos realizados, obriga\u00e7\u00f5es em andamento e a capacidade de assumir novas obriga\u00e7\u00f5es financeiras demonstrada pelas pessoas f\u00edsicas e jur\u00eddicas. Valoriza o comportamento dos cidad\u00e3os que pagam suas d\u00edvidas em dia.            <\/div>\r\n    \r\n            <div post_id=\"7160\" itemcount=\"3\"  header_id=\"header-1589842727475\" id=\"header-1589842727475\" style=\"\" class=\"accordions-head head1589842727475 border-none\" toggle-text=\"\" main-text=\"Eu posso ter um cr\u00e9dito negado em raz\u00e3o de minha nota no Cadastro Positivo?\">\r\n                                    <span id=\"header-text-1589842727475\" class=\"accordions-head-title\">Eu posso ter um cr\u00e9dito negado em raz\u00e3o de minha nota no Cadastro Positivo?<\/span>\r\n                    <span id=\"accordion-icons-1589842727475\" class=\"accordion-icons\">\r\n                        <span class=\"accordion-icon-active accordion-plus\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\r\n                        <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\r\n                    <\/span>\r\n                            <\/div>\r\n            <div class=\"accordion-content content1589842727475\">\r\n                Sim. Em decorr\u00eancia da suposi\u00e7\u00e3o de poss\u00edvel risco de inadimplemento pelo cliente, uma nota mais baixa pode implicar:\r\n\r\n- na recusa no oferecimento de uma opera\u00e7\u00e3o de cr\u00e9dito;\r\n\r\n- na exig\u00eancia de maiores garantias vinculadas \u00e0 opera\u00e7\u00e3o de cr\u00e9dito;\r\n\r\n- no oferecimento de taxas de juros mais altas;\r\n\r\n- em condi\u00e7\u00f5es menos vantajosas.            <\/div>\r\n    \r\n            <div post_id=\"7160\" itemcount=\"4\"  header_id=\"header-1589842794301\" id=\"header-1589842794301\" style=\"\" class=\"accordions-head head1589842794301 border-none\" toggle-text=\"\" main-text=\"Qual \u00e9 a legisla\u00e7\u00e3o aplic\u00e1vel ao Cadastro Positivo?\">\r\n                                    <span id=\"header-text-1589842794301\" class=\"accordions-head-title\">Qual \u00e9 a legisla\u00e7\u00e3o aplic\u00e1vel ao Cadastro Positivo?<\/span>\r\n                    <span id=\"accordion-icons-1589842794301\" class=\"accordion-icons\">\r\n                        <span class=\"accordion-icon-active accordion-plus\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\r\n                        <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\r\n                    <\/span>\r\n                            <\/div>\r\n            <div class=\"accordion-content content1589842794301\">\r\n                O Cadastro Positivo est\u00e1 previsto na Lei 12.414, de 2011, com altera\u00e7\u00f5es feitas pela Lei Complementar 166, de 2019, e regulamentada pelo Decreto n\u00ba 9.936, de 2019.            <\/div>\r\n    \r\n            <div post_id=\"7160\" itemcount=\"5\"  header_id=\"header-1589842882052\" id=\"header-1589842882052\" style=\"\" class=\"accordions-head head1589842882052 border-none\" toggle-text=\"\" main-text=\"Quais s\u00e3o as pr\u00edncipais altera\u00e7\u00f5es promovidas pela Lei Complementar 166, de 2019?\">\r\n                                    <span id=\"header-text-1589842882052\" class=\"accordions-head-title\">Quais s\u00e3o as pr\u00edncipais altera\u00e7\u00f5es promovidas pela Lei Complementar 166, de 2019?<\/span>\r\n                    <span id=\"accordion-icons-1589842882052\" class=\"accordion-icons\">\r\n                        <span class=\"accordion-icon-active accordion-plus\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\r\n                        <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\r\n                    <\/span>\r\n                            <\/div>\r\n            <div class=\"accordion-content content1589842882052\">\r\n                A Lei 12.414, de 2011, estabelecia que a pessoa f\u00edsica e jur\u00eddica precisava autorizar a abertura do seu Cadastro Positivo nos Gestores de Banco de Dados (\u201cGBDs\u201d).\r\n\r\nCom a publica\u00e7\u00e3o da Lei Complementar 166, de 2019, que alterou a Lei 12.414 \/2011, o modelo foi alterado e o cadastramento de informa\u00e7\u00f5es de adimplemento de quaisquer pessoas f\u00edsicas e jur\u00eddicas pelos GBDs passou a ser autom\u00e1tico. \u00a0Mas a qualquer momento, as pessoas f\u00edsicas e jur\u00eddicas podem solicitar sua exclus\u00e3o<strong>,<\/strong> inclusive antes mesmo de serem comunicadas a respeito da abertura de seu Cadastro Positivo.\r\n\r\nA Lei tamb\u00e9m autoriza os GBDs a compartilharem as informa\u00e7\u00f5es cadastrais e de adimplemento do cadastrado, armazenadas em seu banco de dados, com outros GBDs, independente de autoriza\u00e7\u00e3o expressa do cadastrado.            <\/div>\r\n    \r\n            <div post_id=\"7160\" itemcount=\"6\"  header_id=\"header-1589842930406\" id=\"header-1589842930406\" style=\"\" class=\"accordions-head head1589842930406 border-none\" toggle-text=\"\" main-text=\"O que acontece com os cadastros que j\u00e1 existiam antes das altera\u00e7\u00f5es promovidas pela Lei Complementar 166, de 2019?\">\r\n                                    <span id=\"header-text-1589842930406\" class=\"accordions-head-title\">O que acontece com os cadastros que j\u00e1 existiam antes das altera\u00e7\u00f5es promovidas pela Lei Complementar 166, de 2019?<\/span>\r\n                    <span id=\"accordion-icons-1589842930406\" class=\"accordion-icons\">\r\n                        <span class=\"accordion-icon-active accordion-plus\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\r\n                        <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\r\n                    <\/span>\r\n                            <\/div>\r\n            <div class=\"accordion-content content1589842930406\">\r\n                Para os clientes que j\u00e1 possuem um registro anterior, o cadastro continua ativo e as suas informa\u00e7\u00f5es de hist\u00f3rico de cr\u00e9dito continuam a ser armazenadas e compartilhadas normalmente.            <\/div>\r\n    \r\n            <div post_id=\"7160\" itemcount=\"7\"  header_id=\"header-1589842954337\" id=\"header-1589842954337\" style=\"\" class=\"accordions-head head1589842954337 border-none\" toggle-text=\"\" main-text=\"Quais as fontes de informa\u00e7\u00e3o para a composi\u00e7\u00e3o do Cadastro Positivo?\">\r\n                                    <span id=\"header-text-1589842954337\" class=\"accordions-head-title\">Quais as fontes de informa\u00e7\u00e3o para a composi\u00e7\u00e3o do Cadastro Positivo?<\/span>\r\n                    <span id=\"accordion-icons-1589842954337\" class=\"accordion-icons\">\r\n                        <span class=\"accordion-icon-active accordion-plus\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\r\n                        <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\r\n                    <\/span>\r\n                            <\/div>\r\n            <div class=\"accordion-content content1589842954337\">\r\n                As fontes de informa\u00e7\u00e3o para a composi\u00e7\u00e3o do Cadastro Positivo (\u201cFontes\u201d) s\u00e3o as entidades que possuem a informa\u00e7\u00e3o do cliente e s\u00e3o respons\u00e1veis por repassarem as informa\u00e7\u00f5es aos GBDs.\r\n\r\nPodem ser Fontes de informa\u00e7\u00e3o aos GBDs:\r\n<ul>\r\n \t<li>bancos e demais entidades autorizadas a funcionar pelo Banco Central;<\/li>\r\n \t<li>prestadores de servi\u00e7os continuados de \u00e1gua, esgoto, eletricidade, g\u00e1s, telecomunica\u00e7\u00f5es e assemelhados; ou<\/li>\r\n \t<li>outras pessoas naturais e jur\u00eddicas, desde que observem o requisito de conceder cr\u00e9dito, administrar opera\u00e7\u00f5es ou realizar transa\u00e7\u00f5es que impliquem risco financeiro.<\/li>\r\n<\/ul>\r\nO Banco Fibra \u00e9 considerado Fonte e tem o compromisso de incluir de forma autom\u00e1tica todas as informa\u00e7\u00f5es cadastrais e de cr\u00e9dito de seus clientes pessoas f\u00edsicas e jur\u00eddicas no Cadastro Positivo, enviando tais informa\u00e7\u00f5es para os GBDs (Gestores de Banco de Dados), conforme previsto na lei 12.414\u00a0 de 2011 e respectivas altera\u00e7\u00f5es.            <\/div>\r\n    \r\n            <div post_id=\"7160\" itemcount=\"8\"  header_id=\"header-1589842962655\" id=\"header-1589842962655\" style=\"\" class=\"accordions-head head1589842962655 border-none\" toggle-text=\"\" main-text=\"Quem s\u00e3o os GBDs (Gestores de Banco de Dados)?\">\r\n                                    <span id=\"header-text-1589842962655\" class=\"accordions-head-title\">Quem s\u00e3o os GBDs (Gestores de Banco de Dados)?<\/span>\r\n                    <span id=\"accordion-icons-1589842962655\" class=\"accordion-icons\">\r\n                        <span class=\"accordion-icon-active accordion-plus\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\r\n                        <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\r\n                    <\/span>\r\n                            <\/div>\r\n            <div class=\"accordion-content content1589842962655\">\r\n                Os GBDs s\u00e3o pessoas jur\u00eddicas respons\u00e1veis pela administra\u00e7\u00e3o de um banco de dados que comp\u00f5e o Cadastro Positivo.\r\n\r\nS\u00e3o respons\u00e1veis por coletar, armazenar, analisar os dados, atribuir nota ou pontua\u00e7\u00e3o de cr\u00e9dito, gerir o acesso de terceiros aos dados armazenados, bem como cancelar o cadastro e realizar eventuais corre\u00e7\u00f5es nas informa\u00e7\u00f5es contidas nos bancos de dados.\r\n\r\nOs GBDs atualmente autorizados pelo Banco Central\u00a0 s\u00e3o: Boa Vista (<a href=\"https:\/\/www.consumidorpositivo.com.br\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-auth=\"NotApplicable\"><i>https:\/\/www.consumidorpositivo.com.br<\/i><\/a><i>);\u00a0\u00a0QUOD \u2013 Gestora de Intelig\u00eancia de Cr\u00e9dito (<\/i><a href=\"https:\/\/www.quod.com.br\/cadastro-positivo\" target=\"_blank\" rel=\"noopener noreferrer\" data-auth=\"NotApplicable\"><i>https:\/\/www.quod.com.br\/cadastro-positivo<\/i><\/a><i>);\u00a0SERASA (<\/i><a href=\"https:\/\/www.serasaconsumidor.com.br\/cadastro-positivo\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-auth=\"NotApplicable\"><i>https:\/\/www.serasaconsumidor.com.br\/cadastro-positivo\/<\/i><\/a><i>)\u00a0e SPC Brasil (<\/i><a href=\"https:\/\/www.spcbrasil.org.br\/cadastropositivo\" target=\"_blank\" rel=\"noopener noreferrer\" data-auth=\"NotApplicable\"><i>https:\/\/www.spcbrasil.org.br\/cadastropositivo<\/i><\/a><i>)<\/i>            <\/div>\r\n    \r\n            <div post_id=\"7160\" itemcount=\"9\"  header_id=\"header-1589843017866\" id=\"header-1589843017866\" style=\"\" class=\"accordions-head head1589843017866 border-none\" toggle-text=\"\" main-text=\"Quais s\u00e3o os tipos de informa\u00e7\u00f5es que aparecem no Cadastro Positivo?\">\r\n                                    <span id=\"header-text-1589843017866\" class=\"accordions-head-title\">Quais s\u00e3o os tipos de informa\u00e7\u00f5es que aparecem no Cadastro Positivo?<\/span>\r\n                    <span id=\"accordion-icons-1589843017866\" class=\"accordion-icons\">\r\n                        <span class=\"accordion-icon-active accordion-plus\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\r\n                        <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\r\n                    <\/span>\r\n                            <\/div>\r\n            <div class=\"accordion-content content1589843017866\">\r\n                O Cadastro Positivo \u00e9 composto por dois tipos de informa\u00e7\u00f5es:\r\n<ul>\r\n \t<li>Nota ou pontua\u00e7\u00e3o de cr\u00e9dito; e<\/li>\r\n \t<li>Hist\u00f3rico de cr\u00e9dito, que \u00e9 composto por dados financeiros e de pagamentos, relativos \u00e0s opera\u00e7\u00f5es de cr\u00e9dito e obriga\u00e7\u00f5es de pagamento realizados ou em andamento por pessoa natural ou jur\u00eddica; e<\/li>\r\n<\/ul>            <\/div>\r\n    \r\n            <div post_id=\"7160\" itemcount=\"10\"  header_id=\"header-1589843048532\" id=\"header-1589843048532\" style=\"\" class=\"accordions-head head1589843048532 border-none\" toggle-text=\"\" main-text=\"Quais as pessoas ou institui\u00e7\u00f5es podem consultar o Cadastro Positivo?\">\r\n                                    <span id=\"header-text-1589843048532\" class=\"accordions-head-title\">Quais as pessoas ou institui\u00e7\u00f5es podem consultar o Cadastro Positivo?<\/span>\r\n                    <span id=\"accordion-icons-1589843048532\" class=\"accordion-icons\">\r\n                        <span class=\"accordion-icon-active accordion-plus\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\r\n                        <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\r\n                    <\/span>\r\n                            <\/div>\r\n            <div class=\"accordion-content content1589843048532\">\r\n                Apenas podem consultar os dados de cadastrados as pessoas f\u00edsicas ou jur\u00eddicas que demonstrem aos GBDs que possuem alguma rela\u00e7\u00e3o comercial com o cadastrado. E que, em virtude dessa rela\u00e7\u00e3o, o cliente tem interesse em contratar com ela uma das seguintes opera\u00e7\u00f5es:\r\n<ul>\r\n \t<li>obten\u00e7\u00e3o de cr\u00e9dito;<\/li>\r\n \t<li>autofinanciamento; e<\/li>\r\n \t<li>compra a prazo ou em outras transa\u00e7\u00f5es comerciais e empresariais que impliquem risco financeiro.<\/li>\r\n<\/ul>\r\nTais pessoas poder\u00e3o consultar a nota ou a pontua\u00e7\u00e3o do cadastrado independentemente de pr\u00e9via autoriza\u00e7\u00e3o (anu\u00eancia).\r\n\r\nJ\u00e1 para consultar hist\u00f3rico de cr\u00e9dito, precisar\u00e3o de autoriza\u00e7\u00e3o espec\u00edfica do cadastrado.\r\n\r\nEsta autoriza\u00e7\u00e3o poder\u00e1 ser feita em formato f\u00edsico ou eletr\u00f4nico, conforme modelo presente no Anexo do Decreto 9.936, de 2019.            <\/div>\r\n    \r\n            <div post_id=\"7160\" itemcount=\"11\"  header_id=\"header-1589843079146\" id=\"header-1589843079146\" style=\"\" class=\"accordions-head head1589843079146 border-none\" toggle-text=\"\" main-text=\"Como sei se meus dados comp\u00f5em um banco de dados de Cadastro Positivo?\">\r\n                                    <span id=\"header-text-1589843079146\" class=\"accordions-head-title\">Como sei se meus dados comp\u00f5em um banco de dados de Cadastro Positivo?<\/span>\r\n                    <span id=\"accordion-icons-1589843079146\" class=\"accordion-icons\">\r\n                        <span class=\"accordion-icon-active accordion-plus\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\r\n                        <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\r\n                    <\/span>\r\n                            <\/div>\r\n            <div class=\"accordion-content content1589843079146\">\r\n                Os GBDs t\u00eam at\u00e9 30 dias para comunicar o cadastramento de pessoas f\u00edsicas ou jur\u00eddicas, a partir da data em que recebem e armazenam os dados repassados pelas Fontes.            <\/div>\r\n    \r\n            <div post_id=\"7160\" itemcount=\"12\"  header_id=\"header-1589843101049\" id=\"header-1589843101049\" style=\"\" class=\"accordions-head head1589843101049 border-none\" toggle-text=\"\" main-text=\"Como fa\u00e7o para excluir meus dados no Cadastro Positivo?\">\r\n                                    <span id=\"header-text-1589843101049\" class=\"accordions-head-title\">Como fa\u00e7o para excluir meus dados no Cadastro Positivo?<\/span>\r\n                    <span id=\"accordion-icons-1589843101049\" class=\"accordion-icons\">\r\n                        <span class=\"accordion-icon-active accordion-plus\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\r\n                        <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\r\n                    <\/span>\r\n                            <\/div>\r\n            <div class=\"accordion-content content1589843101049\">\r\n                Se voc\u00ea n\u00e3o quiser que seus dados componham o Cadastro Positivo, voc\u00ea pode solicitar a retirada de seus dados a qualquer tempo.\r\n\r\nPara tanto, <strong>voc\u00ea dever\u00e1 entrar em contato diretamente com os GBDs<\/strong>, atrav\u00e9s de seus canais dispon\u00edveis, e solicitar a exclus\u00e3o.\r\n\r\nOs GBDs ser\u00e3o respons\u00e1veis em comunicar a exclus\u00e3o \u00e0s Fontes e concession\u00e1rias de presta\u00e7\u00e3o de servi\u00e7os, que deixar\u00e3o de enviar as informa\u00e7\u00f5es. Como os bancos de dados s\u00e3o compartilhados, ao se dirigir a um GBD, este \u00e9 obrigado a informar aos demais gestores a sua decis\u00e3o de n\u00e3o participar do Cadastro Positivo.            <\/div>\r\n    \r\n            <div post_id=\"7160\" itemcount=\"13\"  header_id=\"header-1589843121933\" id=\"header-1589843121933\" style=\"\" class=\"accordions-head head1589843121933 border-none\" toggle-text=\"\" main-text=\"Como fa\u00e7o para consultar meus dados em determinado cadastro?\">\r\n                                    <span id=\"header-text-1589843121933\" class=\"accordions-head-title\">Como fa\u00e7o para consultar meus dados em determinado cadastro?<\/span>\r\n                    <span id=\"accordion-icons-1589843121933\" class=\"accordion-icons\">\r\n                        <span class=\"accordion-icon-active accordion-plus\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\r\n                        <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\r\n                    <\/span>\r\n                            <\/div>\r\n            <div class=\"accordion-content content1589843121933\">\r\n                <strong>A consulta \u00e9 realizada diretamente nos GBDs<\/strong>, de forma gratuita, sem cobran\u00e7a de nenhuma taxa ou tarifa.\r\n\r\nA pessoa f\u00edsica ou jur\u00eddica deve ter acesso f\u00e1cil e independente de justificativa a todas as suas informa\u00e7\u00f5es existentes nos GBDs, inclusive seu hist\u00f3rico e sua nota ou pontua\u00e7\u00e3o de cr\u00e9dito.\r\n\r\nOs GBDs devem fornecer-lhe essas informa\u00e7\u00f5es no prazo de 10 dias a partir da data de solicita\u00e7\u00e3o.            <\/div>\r\n    \r\n            <div post_id=\"7160\" itemcount=\"14\"  header_id=\"header-1589843246084\" id=\"header-1589843246084\" style=\"\" class=\"accordions-head head1589843246084 border-none\" toggle-text=\"\" main-text=\"Como fa\u00e7o para contestar uma informa\u00e7\u00e3o errada em meu cadastro?\">\r\n                                    <span id=\"header-text-1589843246084\" class=\"accordions-head-title\">Como fa\u00e7o para contestar uma informa\u00e7\u00e3o errada em meu cadastro?<\/span>\r\n                    <span id=\"accordion-icons-1589843246084\" class=\"accordion-icons\">\r\n                        <span class=\"accordion-icon-active accordion-plus\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\r\n                        <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\r\n                    <\/span>\r\n                            <\/div>\r\n            <div class=\"accordion-content content1589843246084\">\r\n                A pessoa f\u00edsica ou jur\u00eddica pode <strong>contestar ou solicitar corre\u00e7\u00e3o<\/strong> <strong>de qualquer informa\u00e7\u00e3o que tenha sido erroneamente anotada no banco de dados diretamente ao GBD<\/strong>, que ter\u00e1 o prazo de at\u00e9 10 dias para responder ou corrigir a informa\u00e7\u00e3o, ou \u00e0 Fonte.            <\/div>\r\n    \r\n            <div post_id=\"7160\" itemcount=\"15\"  header_id=\"header-1589843347105\" id=\"header-1589843347105\" style=\"\" class=\"accordions-head head1589843347105 border-none\" toggle-text=\"\" main-text=\"A qual canal de atendimento do Banco Fibra devo recorrer para solucionar d\u00favidas sobre o Cadastro Positivo?\">\r\n                                    <span id=\"header-text-1589843347105\" class=\"accordions-head-title\">A qual canal de atendimento do Banco Fibra devo recorrer para solucionar d\u00favidas sobre o Cadastro Positivo?<\/span>\r\n                    <span id=\"accordion-icons-1589843347105\" class=\"accordion-icons\">\r\n                        <span class=\"accordion-icon-active accordion-plus\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\r\n                        <span class=\"accordion-icon-inactive accordion-minus\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\r\n                    <\/span>\r\n                            <\/div>\r\n            <div class=\"accordion-content content1589843347105\">\r\n                D\u00favidas ou questionamentos relacionados ao Cadastro Positivo dever\u00e3o ser direcionado ao e-mail <a href=\"mailto:cadastropositivo@bancofibra.com.br\">cadastropositivo@bancofibra.com.br<\/a> .            <\/div>\r\n    <\/div>\r\n\r\n\r\n\r\n            <\/div><br \/>\n<style>.tatsu-bQSHSEc9Q{padding: 0px 190px 0px 90px;}<\/style><\/div><\/div><\/div><div class = \"tatsu-column-bg-image-wrap\"><div class = \"tatsu-column-bg-image\" ><\/div><\/div><div class=\"tatsu-overlay tatsu-column-overlay tatsu-animate-none\" ><\/div><\/div><style>.tatsu-row > .tatsu-KqzSXFY0X.tatsu-column{width: 100%;}.tatsu-KqzSXFY0X.tatsu-column > .tatsu-column-inner > .tatsu-column-overlay{mix-blend-mode: normal;}.tatsu-KqzSXFY0X > .tatsu-column-inner > .tatsu-top-divider{z-index: 9999;}.tatsu-KqzSXFY0X > .tatsu-column-inner > .tatsu-bottom-divider{z-index: 9999;}.tatsu-KqzSXFY0X > .tatsu-column-inner > .tatsu-left-divider{z-index: 9999;}.tatsu-KqzSXFY0X > .tatsu-column-inner > .tatsu-right-divider{z-index: 9999;}.tatsu-KqzSXFY0X.tatsu-column{z-index: 12;}@media only screen and (max-width:1377px) {.tatsu-row > .tatsu-KqzSXFY0X.tatsu-column{width: 100%;}}@media only screen and (min-width:768px) and (max-width: 1024px) {.tatsu-row > .tatsu-KqzSXFY0X.tatsu-column{width: 100%;}}@media only screen and (max-width: 767px) {.tatsu-row > .tatsu-KqzSXFY0X.tatsu-column{width: 100%;}}<\/style><\/div><\/div><\/div><\/div><div class=\"tatsu-section-background-wrap\"><div class = \"tatsu-section-background\" ><\/div><\/div><div class=\"tatsu-overlay tatsu-section-overlay\"><\/div><style>.tatsu-smFTl_grTP .tatsu-section-pad{padding: 0px 0px 66px 0px;}.tatsu-smFTl_grTP.tatsu-section{margin: -92px 0px 0px 0px;}.tatsu-smFTl_grTP .tatsu-section-offset-wrap{transform: translateY(-0px);}.tatsu-smFTl_grTP > .tatsu-bottom-divider{z-index: 9999;}.tatsu-smFTl_grTP > .tatsu-top-divider{z-index: 9999;}.tatsu-smFTl_grTP .tatsu-section-overlay{mix-blend-mode: normal;}@media only screen and (min-width:768px) and (max-width: 1024px) {.tatsu-smFTl_grTP .tatsu-section-pad{padding: 90px 30px 90px 30px;}}@media only screen and (max-width: 767px) {.tatsu-smFTl_grTP .tatsu-section-pad{padding: 30px 30px 30px 30px;}}<\/style><\/div>","protected":false},"excerpt":{"rendered":"<p><a href=\"https:\/\/bancofibra.com.br\/en\/cadastro-positivo\/\" class=\"exp-read-more exp-read-more-dots\">&#8230;<\/a><\/p>","protected":false},"author":12,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.13 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cadastro Positivo \u2014 Perguntas Frequentes | Banco Fibra<\/title>\n<meta name=\"description\" content=\"Conjunto de banco 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