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How to Do the Online Simulation
The consultation can be done through the official platform of the Federal Government.
Complete Step by Step
1. Access the official portal
2. Log in to your Gov.br account.
Log in using your CPF (Brazilian tax identification number) and password.
3. Check your available debts.
The platform shows:
- Original value
- Discount applied
- Available installments
- Creditor company
4. Compare offers
Evaluate:
- Final value
- Number of installments
- Interest applied
5. Finalize the agreement.
After accepting:
- Generate the payment slip.
- Make a payment
- keep receipts
Example of a Discount
A debt of R$ 5 can receive significant discounts depending on the participating company.
In some cases it is possible:
- Pay in installments over several months.
- Get a discount for cash payment.
- Reduce accrued interest
How to Improve Your Score After
After renegotiating:
Use credit responsibly
Pay bills on time
Avoid delays
Update your bank details.
