How do I know if my CPF is blocked and how can I regularize it?
A blocked CPF (Individual Taxpayer Registry) faces many consequences, including being unable to open a bank account. But how do you know if your CPF is blocked?
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The Individual Taxpayer Registry (CNI) is the most important document for Brazilians. Without it, we are prevented from carrying out many activities in the country.
There are two events that prevent us from carrying out some activities with this document, the most common of which is when it is negatively impacted by credit protection agencies.
The second, more serious, but less common, occurrence is when it is blocked by the Federal Revenue Service, and this is exactly the occurrence we will address today.
Do you know what causes a CPF to be blocked? How do you know if it's in this situation? What are the consequences? How can you regularize it?
Read the text and find out!
Reasons for blocking CPF
The Individual Taxpayer Registry (CTR) is a unique, personal, and non-transferable document. It is valid for life, and one of the main reasons for its suspension is in the event of death.
On social media, it is very common to see expressions like: “Another CPF canceled”, to describe situations where someone dies, usually someone committing a crime.
It is also common to see the expression “We immediately got a new CPF” to describe situations in which couples announce a pregnancy, for example.
Well, this demonstrates the importance of the document, as everyone has or will have a CPF.
Currently, children leave the maternity ward with the document generated and the number printed on the Birth Certificate.
In addition to being automatically blocked when a Death Certificate is issued, there are other reasons why a CPF is blocked.
Please note below:
#Irregularity
Blocking due to irregularity occurs when the citizen has some outstanding debt with the tax authorities.
This change is usually related to the non-declaration of Income Tax.
Other than that, it may happen due to inaccurate information in the data provided.
It is possible to consult these pending issues through the e-CAC Portal. With it, you can identify where the irregularity is and correct it in the Income Tax application.
#Inconsistent registration information
This is another very common reason for blocking, similar to the previous one. It occurs when a citizen's data is outdated or inconsistent on the IRS website.
When there is a discrepancy in the interweaving of a citizen's personal data in the MF with the registration information in the Electoral Court, there is an inconsistency and the CPF is suspended.
Personal data that must always be updated to avoid discrepancies are full name, address, mother's name, father's name, voter registration card, gender, place of birth, telephone number and address.
It is very important to keep this information up to date. In the event of a name change due to marriage or divorce, the update must be done urgently.
How do you know if your CPF is blocked in a situation like this? You can find out on the IRS website!
THE request for regularization It can be done online, also on the Federal Revenue website.
Resolution may vary depending on the severity of the problem. In milder cases, it usually resolves within 72 hours.
However, there will be situations where it will be necessary to go to a physical agency or send supporting documentation by email.
#Cancelation
Blocking due to cancellation occurs when there is a duplicate registration, in other words, when two identical CPFs are issued, so it is an unusual situation.
However, it may occur through legal action when there is proof of fraud, false identity or similar.
Victims of fraud who have had their CPF (Brazilian Individual Taxpayer Registry) unduly canceled must go to a Federal Revenue Service branch in person to regularize the situation.
In this case, you need to prove the mistake. Therefore, gather as much documentation as possible.
How do I know if my CPF is blocked?
With a simple search on the website Federal Revenue Anyone can check the status of their CPF and even issue proof of their registration status.
The process is very simple and quick. By entering the document number and date of birth, the user can find out whether their CPF is blocked or not.
Another way to check the registration status of this document is through the Serasa website.
How to regularize?
Firstly, the citizen needs to check if there are any irregularities related to the Income Tax returns, if there are, it is necessary to resolve this first.
Interested parties can regularize their situation through different channels and addresses, such as:
- Mail;
- Bank of Brazil;
- Federal Savings Bank;
- Partner public entities;
- Federal Revenue Service Unit in Brazil.
You can resolve simpler situations online. In both cases, a small fee applies. Last year, it was R$1,400,000.
What are the consequences of having a CPF blocked?
A simple way to how to know if your CPF is blocked is when trying to open a bank account.
When checking your document, the company will discover that your CPF is blocked and will inform you.
Therefore, you won't be able to open a checking or savings account until you resolve the situation. Additionally, there are other impediments for those in this situation, such as:
- Unable to participate in public competitions;
- Open credit;
- Take out a loan;
- Get a passport;
- Receive lottery prize;
- Retire;
- Get housing finance.
With your CPF regularized, you have more peace of mind when participating in programs promoted by the Government.
In addition, you can open a bank account and have access to credit services, even if your credit history is negative.
Speaking of which, below, learn about some digital accounts that you can open with just your CPF, without the need for a pile of documents and requirements.
Check it out!
Digital accounts to open with just your CPF
Before presenting the digital accounts that you can open with just your CPF, it's worth noting that you'll need to present your ID photo and a photo of yourself, as these serve as security measures.
Digital accounts that can be opened with just a CPF are those that do not require proof of income and address, work permit, etc.
1. N26 Brazil digital account
This account is still new in Brazil and is being gradually released to members on the waiting list. In fact, my invitation to open the account arrived this week.
Registration is very simple, you just need to provide your personal information, income, address where the card will be sent, take a selfie and a photo of your ID (front and back).
The N26 Brazil digital account is free and offers some interesting benefits to its customers.
Among the differentiators it offers, one of the most interesting is its Spaces tool, where you can leave your money saved and earn 100% of the CDI.
This tool becomes even more interesting when Mode N is activated. This is because, for every R$100.00 paid with the N26 credit card, the customer earns +1% of CDI in Spaces (limited to a total yield of 200% of CDI).
Another distinguishing feature of N26 Brazil is its transparent, stripe-free card. Besides having a unique and innovative design, it is also more secure.
Find out how to request yours!
2. Banqi digital account
This digital account is from Casas Bahia and calls itself the free digital account for Brazilians.
Despite its ease of opening, it is not the simplest alternative, in fact, it is far from it.
One of the reasons is that to activate the account it is necessary to make a first deposit of at least R$10.00.
Another complication with the account is that to request the physical card you need to make a Pix of at least R$$500.00 or make a purchase with the virtual card.
If we compare it to other digital accounts, it becomes quite disadvantageous, because it is rare for any account to have these requirements to request the physical card or activate the account.
However, if you are a Casas Bahia customer, it offers benefits such as discounts on purchases made in the online store.
In addition, it also offers a digital credit service, a great alternative for those who don't have a credit card.
The process of opening a Banqi digital account is very simple and quick. Banqi doesn't yet offer credit cards, only prepaid cards.
3. BMG digital account
This account is an interesting alternative for those looking for simplicity and less bureaucracy.
Besides being free, your card has no annual fee and is very easy to approve. Among the services and tools available on the account, we can highlight, for example:
- Loans;
- Investments;
- Cent rounder;
- Unlimited and free transfers;
- Cashback on credit and debit cards;
- Exclusive discounts in pharmacies.
Banco BMG also performs a fairer, more bureaucracy-free and personalized credit analysis.
4. C6 Bank digital account
This digital account is among the best on the market, one of the reasons being its comprehensive nature, offering an incredible variety of services and tools to make life easier for its customers.
Another reason is that it's free and your traditional credit card has no annual fee.
In addition to saving money, customers can earn cashback through the Átomos points program.
Visit the website and discover some of the advantages that C6 Bank offers its customers.
Conclusion
In today's text you discovered how to know if your CPF is blocked and also found other useful information on the subject.
Furthermore, he found the name of 4 digital accounts that can be opened with just your CPF. Keep following the news on our blog to stay up to date.
