Learn how to check your CPF without bureaucracy and find out if there are any restrictions on your name or pending issues you weren't even aware of.

Juliana never imagined her CPF (Individual Taxpayer Registry) would have such a significant impact on her life. At 34, she juggles her work as an administrative assistant and the hustle and bustle of home life.

She's always been organized, but after a period of unemployment in 2021, the bills started to pile up.

So she did what she could to keep her son's schooling, food on the table, and the lights on. And, as often happens, she ended up leaving some debt behind.

One day, when trying to get a credit card to better organize his monthly purchases, he got a surprise: the application was denied. He tried again, with another bank. Nothing.

That's when he decided to investigate: “Do I have a bad credit rating?”She searched Google for free CPF checks and came across dozens of websites—some dubious, others demanding payment.

So, Juliana, like many others, didn't know where to start and was afraid of falling for scams. All she wanted was a safe, easy, and free way to find out if her CPF was on the blacklist.

That's when he discovered the Federal Revenue Service website, where he was able to check if his CPF was in order. Relief! At least it wasn't canceled or suspended.

But what about debts? How can I check what's outstanding? Following a friend's tip, she downloaded the Serasa app on her phone.

With the CPF and a password, he saw not only that his name was on the negative list, but also that there was an agreement available to pay off the debt at a discount.

That way, in the same app, he could check his credit score—and was shocked to see how low it was. He understood, then and there, why he couldn't get credit anywhere.

Eventually, Juliana also started monitoring her CPF at Boa Vista SCPC, where she saw other pending issues that she didn't even know existed.

With these platforms, she finally gained clarity about her financial situation. Today, Juliana recommends apps for free CPF checks to everyone.

So she started monitoring her score monthly and understood that by paying her bills on time and keeping her name clean, she would be able to increase her score and have access to better conditions in the future.

If you want to know if your CPF is up to date, if you have any debts in your name, or what your credit score is, know that it's completely possible to do so online, free of charge, and securely.

Below, see how to check your CPF using reliable websites and apps, without having to pay anything.

The first step is to check if your CPF is active. This check can be done directly on the Federal Revenue Service website, without the need to log in or register. Simply access the link below:

After that, enter your CPF number, your date of birth, and that's it: you'll immediately see your CPF registration status.

Finally, it's important to remember that this query doesn't show debts or score, but it helps you know if your CPF is in good standing.

To go beyond basic status, the Serasa app is one of the most comprehensive and accessible options.

Here, you can check your credit score, check if you have a bad credit history, identify which debts are active, and even negotiate discounted agreements.

Furthermore, the app is available for Android and iOS, and after registering with your CPF and email, you have access to all this information for free.

Another safe option is to use the Boa Vista SCPC platform, which also offers free CPF consultations.

Here, you create an account and access reports with your debt history, notifications of transactions on your CPF, and your Boa Vista score.

Thus, the system also notifies you when there is any change in the records, functioning as a credit protection alert.

If you already use digital banks like Nubank, PicPay or Iti Itaú, a valuable tip is to consult the credit score directly in these applications.

At Nubank, for example, the function appears in the profile tab as “My Serasa score”.

On PicPay, the query is available in the financial services section. This is a quick and convenient way to check your CPF score without having to leave the app.

In addition to the best-known services, there are other reliable tools like MeuScore and Quod, which also offer free CPF and score checks.

On the MeuScore website you can register and access your complete credit report, with tips for increase your score.

Quod is a credit bureau created by major banks, focusing on security and personalized analysis, including alerts for suspicious transactions on your CPF.

Checking your CPF is much more than just a habit—it's an essential step for anyone who wants to clear their name, improve their score, and access credit with better conditions.

So, with so many reliable and free platforms available, there's no reason to put off this task.

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