Credit Information System (SCR)
The Loans and Financing Report shows your debts with banks and financial institutions. It contains information such as: outstanding balance, type of credit operation, whether the debt is current or overdue, and other details. The information appearing in the report is registered by the financial institution where you contracted the service.
Below you will find a series of details about the SCR to ensure you have no doubts.
Click here to read our Communication and Authorization Term for the SCR.
If you need more information or further clarification, contact Banco SEMEAR’s service channels, visit the Central Bank of Brazil’s website, or call: 0800 702 6700. We are always ready to answer your questions!
Frequently Asked Questions
What is the purpose of the SCR?
The Loans and Financing Report (SCR) serves primarily for you, but also for financial institutions. It works as a consultation and control tool to:
- Assess whether you are too indebted and whether you should contract a new credit operation;
- Verify if there are debts you did not contract;
- Better understand your debts to renegotiate or transfer them to another bank.
How do I consult the SCR?
The information can be accessed in your Loans and Financing Report (SCR) through the Registrato system, using your gov.br account or Registrato login.
⚠️ Note: New registrations and password resets in Registrato are suspended, but if you already have a login, you may continue to access the system. As of February 1, 2023, access to Registrato is available exclusively through the gov.br account (silver or gold level).
Atenção! Novos cadastros e reabilitação de senhas no Registrado estão suspensos, mas se você já possui login Registrado, poderá acessar o sistema. Você também pode acessá-lo com a Conta Gov.br. A partir de 1º de fevereiro de 2023, o acesso ao sistema Registrato será feito exclusivamente pela Conta Gov.br (nível prata ou ouro). Dessa forma, os cidadãos já podem se preparar fazendo seus cadastros para acessá-la.
How is the report updated?
The SCR Report is not updated immediately after payment. Data is sent by banks once a month. Payment is usually reflected around the 20th of the following month.
The system does not delete history — the debt will continue to appear in the dates when it was overdue.
👉 If you need proof of payment before the report updates, request a clearance certificate directly from the bank.
Which debts appear in the SCR?
The Loans and Financing Report includes debts, current or overdue, with banks and financial institutions such as:
- Loans and financing;
- Advances;
- Leasing operations;
- Credit card operations involving loans or financing (cash withdrawal, partial invoice payment, or in-store installment);
- Guarantees and co-obligations;
- Other credit risk operations.
The report may also show unused pre-approved limits, such as overdraft, credit cards, working capital, and guaranteed accounts.
Is the SCR a negative credit registry?
No. Negative credit registries only show overdue debts, while the SCR includes both current (on-time) and overdue debts.
Also, unlike restrictive registries, client information in the SCR can only be consulted with client authorization.
Can financial institutions access my information without authorization?
No. Consultations require client authorization.
- Institutions can only view consolidated information from the last 24 months.
- Clients can view detailed information from the last 60 months.
Institutions see only the type of operation, value, and whether it is current or overdue, but not the name of the financial institution where the debt was contracted.
Why do banks consult your debts?
When negotiating a loan or financing, banks evaluate your risk profile before granting credit. To do this, they may consult several databases, including the last 24 months of the SCR.
My data is incorrect in the SCR. How do I fix it?
If you disagree with any information in your SCR Report, you must contact the financial institution responsible for that service through the Registrato system.
Debt with a bank you don’t recognize?
- Your debt may have been sold or transferred to another bank, which then becomes the creditor responsible for reporting to the Central Bank.
- For credit card debts, the bank appears in the SCR, not the card administrator.
- If someone has fraudulently taken a debt in your name, contact the reported creditor and, if confirmed, file a police report.
For how long do overdue debts remain in the SCR?
According to the Consumer Protection Code, restrictive information (overdue debts) may remain on record for a maximum of 5 years.
After that period, the bank marks the operation with a special symbol, and it no longer appears in the report. However, even if it does not appear in the SCR, the outstanding amount may still be legally collected by banks.