What the Central Bank's credit report shows, and what it does not
What the Loans and Financings report (SCR) lists about your debts, how to read its on-time and overdue columns, what is not debt and what the report leaves out.
How many debts do I really have, and with whom? Most people answer from memory, and memory leaves things out: a card balance, an old financing, a loan they no longer think about. The Central Bank of Brazil keeps a register of the credit operations that banks and finance companies report, and it gives each person a report with their own. This guide explains what is in that report, how to read it and where it stops. The example uses reais and an invented report.
What the report is
The service is called the Loans and Financings report (SCR). The official page says it shows your debts with banks and finance companies, the balance, the type of credit operation and whether each debt is on time or late. It lists three uses: judging how indebted you are before taking more credit, finding a debt you never contracted, and knowing your debts well enough to renegotiate them or move them to another bank.
It is free. You need a gov.br account at the silver or gold level, with two-step verification turned on, and you request it through Meu BC. It is confidential: only you, or someone you authorise, can ask for it. Because it carries your name and tax number on every page, the import debts page reads the file on your own device and sends it nowhere.
How the report is organised
The report has one block for each month, newest first. A block starts with the reference month and its totals, and then lists the institutions you have a relationship with, by name. Under each institution come the categories of credit (financings, other credits, limits) and under each category the types of credit. Every line carries amounts in five columns:
| Column | What it is | Is it debt? |
|---|---|---|
| On time | Operations that are not late, or late by up to 14 days | Yes |
| Overdue | Operations more than 14 days late | Yes |
| Credit to be released | Credit contracted and not yet paid out to you | No |
| Guarantees given | Other people's loans that you guaranteed | Not counted as yours |
| Credit limits | Room you have, such as a card or overdraft limit | No |
An institution disappears from the newest month when the debt is gone, and stays in the older ones. That is how the report doubles as a history of the balance.
Reading "on time" and "overdue"
"On time" is not the same as "nothing is late". The report counts a delay of up to 14 days as still on time, so a debt you are a few days behind on can sit in the first column. "Overdue" starts after 14 days. For that reason the overdue column is the one to look at first: it is where a debt already has consequences, and it is the kind of debt the renegotiation tools are made for. The renegotiation page shows what a discount on an overdue balance is really worth.
What looks like debt and is not
Three columns are not what you owe, and adding them to the first two is the most common way of getting a wrong number. Take an invented report for October 2026. At one bank: a vehicle financing with R$ 18,500.40 on time and R$ 1,200.00 overdue, and a card limit of R$ 8,000.00. At a finance company: R$ 950.30 of card purchases not yet due. What is owed is R$ 20,650.70. A sum of every column would say R$ 28,650.70, and the extra R$ 8,000.00 is only room to borrow.
The line of card purchases deserves a note of its own. When the report names it "card purchases in full and in instalments set by the shop", it is describing purchases not yet due. It is not revolving credit, which is the expensive one, and reading it as if it were would put an interest rate on a debt that has none.
What the report leaves out
In the reports we read, each line has a type of credit and amounts, and nothing more. There is no interest rate, no instalment, no number of instalments left and no due date. To complete a contract you need the contract itself or the institution's statement. The balance is the one the institution informed for the month, not the amount to settle the debt today, and what you paid or renegotiated recently may not show yet. The report has no score and no opinion about you: it is a list.
What to do with it
Read each line and ask whether you recognise it. A debt you never contracted is worth raising with the institution. For the rest, the report tells you where the debts are, and the tools of the site take it from there: the Is my rate high? page compares a rate with what institutions informed the Central Bank, and the income commitment page shows what share of your income your payments take. The page that reads the report does not recommend anything: it puts the numbers in order so that you can decide.
This guide is educational and informational. It is not financial, legal or investment advice and it does not know your situation. Example figures are illustrative, and rules change: check the current ones before deciding. Legal Notice