Your debts in the Central Bank's report

What the page does

You choose the Loans and Financings report (SCR) that the Central Bank gives you, and the page rearranges what is in it: what you owe, institution by institution; what is overdue; what looks like debt in the report but is not (limits, credit still to be released, guarantees you gave); and how the balance moved over the months the file covers. It describes what the report says. It does not tell you what to pay first, what to take or what to avoid, and nothing here is saved: close the page and everything is gone.

How to get the report

The Central Bank offers it free of charge through Meu BC, with a gov.br account at the silver or gold level and two-step verification turned on. The report is confidential: only you, or someone you authorise, can request it. The official page of the service, linked at the top of the screen, has the current steps. Save the PDF exactly as it is generated: a photo, a scan or a printed copy has no text for the page to read.

Why the file is read on your device

The report carries your name and your tax number on every page. For that reason the file is not sent anywhere: your own browser reads it. A reading library is downloaded the first time you choose a file (it is not part of what loads when you open the site), and from then on everything happens on your device. Nothing is stored, nothing is logged, and no account is needed. The first reading can take a few seconds, and the screen may pause for a moment while it starts.

What the report shows

Each month in the report has its own block, newest first, with the month's totals, then the institutions you have a relationship with, named in capitals, and under each one the types of credit. Amounts come in five columns:

• On time: operations that are not late, or are late by up to 14 days.
• Overdue: operations more than 14 days late.
• Credit to be released: credit contracted and not yet paid out to you. It is not owed.
• Guarantees given: other people's loans that you guaranteed. The report lists them apart from your own debt, and the page does not count them as yours.
• Credit limits: the room you have, such as a card or overdraft limit. It is not owed either.

Only the first two are debt. The page keeps the other three in a section of their own and never adds them to what you owe.

An example with numbers

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.

The month before, September, the same two institutions held R$ 19,700.00, so the balance owed went up between the two months. The line of card purchases is purchases not yet due, paid in full or in instalments set by the shop: it is not revolving credit, and the page says so beside the line.

How the page makes sure it read the report right

The report states its totals more than once: for each institution and for each month. The page adds the lines it read and compares them with those totals, to the cent. If they do not match (a column read in the wrong place, a line lost at a page break, a layout it has not seen before), it shows nothing and says so, instead of showing a number that looks right and is not. It also refuses reports of companies, which have a different tax number, and other reports of the register, such as the one about accounts in banks.

What the page does not cover

The balance in the report is the one each institution informed to the Central Bank for the month shown. It is not the amount to settle the debt today, and what you paid or renegotiated afterwards does not appear yet. If the file is some months old, the page warns you. For the figure to pay, ask the institution for its own statement; to see what a renegotiation could save, use the renegotiation page. For the full list of terms, see the glossary.