Checks with Insufficient Funds Registry CCF - Banco Central

1 Seek out the Bank Branch indicated as having submitted the check with insufficient funds event.

2 Request from the bank information on the number, date and amount of the check submitted for two times with insufficient checking account funds for payment.

3 Then, based on your own records, determine who the check was issued to. Seek out the individual or business to settle the debt and recover the check.

4 With the check in hand, prepare a letter according to the instructions provided by your Bank account manager. Attach the original recovered check, pay the fees for check return and file a copy of the documents delivered to the Bank for regularization before the Central Bank.

5 In order to rectify the Issuers of Checks with Insufficient Funds File (Cadastro de Emitentes de Checks with insufficient funds – CCF), the checking account holder must obtain a copy of the rectification notice sent by his or her Bank to Banco do Brasil, charged by Banco Central with processing CCF file updates.

6 Rectification of checks with insufficient funds only takes place after Banco do Brasil sends a specific command to Serasa, through magnetic media.

Protested Note File

1 Seek out the Registry that filed the protested note and request a statement to obtain data on the protest applicant.

2 Get in touch with the applicant, settle your debt and request a letter to the effect that the debt has been settled.

3 Notarize the signature on the letter, return to the Registry and request cancellation of the protest.

4 After the protest has been cancelled at the Registry, deliver the cancellation statement to Serasa for file update.

Lawsuit File – In- or Out-of-Court Execution, Assets Seizure, Bankruptcy and Composition with Creditors

1 In order to rectify events of this type, make sure that the lawsuit has been finally decided and has been filed or terminated.

2 Certification is provided by a copy of the Court decision or a statement issued by the Court Office where the Lawsuit was maintained.

3 With proof of stay of execution, stay of seizure or termination of the lawsuit in hand, deliver said proof to Serasa.

Overdue Debt File – Banking or Financial Pending Matters

1 In order to correct notes of this type, Citizens must seek out the creditor institution or company, who will send a specific command to Serasa to correct the file.

Period for Rectification of Notes at Serasa
After the delivery do Serasa of the document required to rectify the file, the period to exclude the information from the system will be of five (5) business days, pursuant to the Consumer Defense Code (Law No. 8.078, dated Sep/11/90).

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