What is SCPC and how does it work?

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The Central Credit Protection Service (SCPC) is a product of Boa Vista Serviços responsible for collecting and updating credit information on Brazilian consumers.

By registering defaulting customers in the SCPC database, the entrepreneur contributes to the enrichment of a financial database. This data enables credit analysis, ensuring good business for entrepreneurs.



What is SCPC?
Some people believe that the SCPC and the SPC belong to the lawyer database institution, but this is not true. Each of these entities offers different credit protection services.

While the SPC belongs to the CDL, the SCPC is a product of Boa Vista Serviços , an ACP partner company. Its function? To collect and update credit information for each Brazilian . It is the one that controls who keeps their accounts up to date or not.

Created in 1955, the SCPC functions as a type of financial database . This information is obtained from each citizen's CPF.

To access this data, you need to access a specific platform, created by Boa Vista Seguros.



How does SCPC work?
Let's say one of your customers has stopped paying the installments for a purchase. You've already contacted them by text message, email, and phone, reminding them of the debt. Still, you haven't heard back. What can you do to get your money back?

In this case, you must send the debt data to the SCPC, informing the defaulting customer's CPF. The customer will receive a letter from the Central Credit Protection Service, informing them of the debt registration and the deadline to contact the company.

You will negotiate the amount to be paid directly with the customer. Once this is done, you must remove the consumer's name from the SCPC.

Any person, whether natural or legal, can use this service.

Money Back! 4 Ways to Recover Credit.



Why is registering customers with SCPC important?
When we register a defaulting customer with the SCPC, other companies have access to this information. This is important because, during the credit analysis, they avoid selling to consumers who present a high or very high risk.

Likewise, you can also use this information if you need it. The great advantage of registration is the reciprocity of data, strengthening business relationships.

Find out how to avoid defaulting customers.



How do I check a customer's CPF?
It is important to know that the SCPC and SPC do not necessarily have the same database of registered CPFs. This is because they are competing services. In practice, a customer's CPF may be registered in both or just one. Therefore, it is worth having access to both databases.

It is worth remembering that both services are private, that is, they will charge a fee for each query. To access the SCPC platform, you will have to register, providing the company name, CNPJ, line of business, etc. With your login and password in hand, you are all set to do the search!

The next step is to obtain the CPF or CNPJ of the client you wish to inspect. With the SCPC, you will see if they have credit restrictions and, in some cases, verify the location of the debt and the amount. Interesting, right?