Post by account_disabled on Jan 25, 2024 3:56:39 GMT -6
Did not even point out the aforementioned clause, which implies assuming that it did not actually exist. "At this stage, there is no way to accept the insurance limitations imposed by the defendant, especially since the payment of the premium with the maintenance of the same contractual clauses and indication of the beneficiary remained unharmed after the dissolution of the conjugal company in question", says the ruling, from last day 11. In “ credit scoring ”, the credit applicant, who can be an individual or legal entity, public or private law, although commonly used in the case of a request by an individual, is evaluated using mathematical formulas, in which taking into account various legal criteria [permitted – what is not prohibited is permitted – art. 5th, II, of the CF] such as age, profession, the purpose of obtaining credit, purchases, payments, negotiations abroad and on the internet.
After this, using the subsumption method, a type of Buy Phone Number List score is assigned to the consumer. There are three ways to use the scoring model, namely rating , behavioral or “ behavioral scoring ” and granting credit. In the model called Rating , there is a specialized agency that assesses the credit risk for a given individual or legal entity, whether public or private [SERASA has a similar model]. In the more traditional credit granting modalities, the financial institution only analyzes the customer's economic possibility, taking into account their data, while in behavioral (“ behavior scoring ”) the economic behavior element is added, checking purchase and payment history of the customer.
It is important to point out that this American method does not constitute a database, although as highlighted above, Serasa practices it in one of its aspects, however, without being confused with the database of unhappy consumers. And now the question is, can this mathematical method be used in Brazil as a system for granting or denying credit? Faced with so many inquiries and curiosity from consumers who did not have credit approved, several legal actions became part of the daily life of the Judiciary, which led the Superior Court of Justice to affect three judgments, binding judges from all States and the Union, giving births to themes. The STJ, based on art 5th of Law 12,414/2011 [Positive Registration Law], which regulates the formation and consultation of databases with payment information, of natural persons or legal entities, for the formation of credit history, understood that it is possible to use the criterion American with the intention of granting or denying credit in Brazil [STJ – REsp 1.419.697-RS, Rel. Min. Paulo de Tarso Sanseverino, judged on 12/11/2014 – Jurisprudence Newsletter 551].
After this, using the subsumption method, a type of Buy Phone Number List score is assigned to the consumer. There are three ways to use the scoring model, namely rating , behavioral or “ behavioral scoring ” and granting credit. In the model called Rating , there is a specialized agency that assesses the credit risk for a given individual or legal entity, whether public or private [SERASA has a similar model]. In the more traditional credit granting modalities, the financial institution only analyzes the customer's economic possibility, taking into account their data, while in behavioral (“ behavior scoring ”) the economic behavior element is added, checking purchase and payment history of the customer.
It is important to point out that this American method does not constitute a database, although as highlighted above, Serasa practices it in one of its aspects, however, without being confused with the database of unhappy consumers. And now the question is, can this mathematical method be used in Brazil as a system for granting or denying credit? Faced with so many inquiries and curiosity from consumers who did not have credit approved, several legal actions became part of the daily life of the Judiciary, which led the Superior Court of Justice to affect three judgments, binding judges from all States and the Union, giving births to themes. The STJ, based on art 5th of Law 12,414/2011 [Positive Registration Law], which regulates the formation and consultation of databases with payment information, of natural persons or legal entities, for the formation of credit history, understood that it is possible to use the criterion American with the intention of granting or denying credit in Brazil [STJ – REsp 1.419.697-RS, Rel. Min. Paulo de Tarso Sanseverino, judged on 12/11/2014 – Jurisprudence Newsletter 551].