Boa Vista

What Boa Vista does

Boa Vista, operating commercially as Equifax BoaVista, is a Brazilian credit bureau and data services company that serves the country's Pessoa Jurídica (CNPJ-registered) business base with credit information, scoring, fraud prevention, portfolio monitoring, and collections tools. The platform is built around two core registries: SCPC (Serviço Central de Proteção ao Crédito), a negative credit database that records overdue and unpaid debts, and Cadastro Positivo, a positive credit registry containing payment histories with credit grant dates, amounts, and installments. Proprietary products include Consulta CPF (Acerta) and Consulta CNPJ (Define) credit reports, a 0-1,000 probability score (Score de Crédito / Equifax OneScore), BlueBox prospecting, individual and business portfolio monitoring, transactional anti-fraud, and identity protection/onboarding. Data is sourced from public registries (cartórios, juntas comerciais, courts, BACEN) plus contributions from financial institutions, partners, and clients, yielding a database covering 282+ million CPFs and CNPJs with 70+ exclusive attributes. The company was originally established in the 1960s as SCPC and has formally operated since 2010; it was acquired by Equifax Inc. (NYSE: EFX) in 2019 and functions as Equifax's Brazilian subsidiary, operating from Barueri, São Paulo, under CNPJ 11.725.176/0001-27. Revenue is generated through tiered postpaid subscription plans (Essencial R$99.90 to Corporativo R$399.90/month, plus Enterprise custom) and prepaid credit bundles (R$40 to R$500) sold via a self-serve storefront; subscriptions are sold direct through a sales team, WhatsApp, and 0800 channels, while prepaid is consumed via the boavistaservicos.com.br/loja portal. The product surface has been expanded through M&A, including Acordo Certo (December 2020, credit recovery) and Konduto (March 2021, behavioral analytics and fraud prevention). Certifications include ISO 9001, ISO 27001, and ISO 27017, and operations are governed by LGPD, CMN Resolution 4.737/2019, and the Lei do Cadastro Positivo (12.414/2011).

Name

Boa Vista

Legal name

Boa Vista Serviços S.A.

Website

https://boavistaservicos.com.br

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Boa Vista (Equifax BoaVista) is a Brazilian credit bureau and data services company that provides credit reporting, scoring, fraud prevention, portfolio monitoring, and collections to CNPJ-registered businesses, operating Brazil's SCPC and Cadastro Positivo registries under Equifax Inc.

Ownership category

akta.pro rank

Product category

Credit Bureau Services

NAICS

Credit Bureaus (561450), Credit Bureaus (56145)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

Keywords

• Credit bureau services
• Business credit reporting
• Credit scoring
• Identity fraud prevention
• Commercial risk management

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales

Revenue model

1. Postpaid Subscription Plans: Monthly subscription plans (Essencial R$99.90, Business R$149.90, Executivo R$249.90, Corporativo R$399.90, Enterprise custom) that include a monthly allocation of queries with per-query pricing decreasing as plan tier increases. Plans include basic, intermediate, and complete reports for both individuals (PF) and legal entities (PJ), with no loyalty requirement. First billing occurs 30-60 days post-contract; subsequent monthly billing via boleto.
2. Prepaid Credit Bundles: Prepaid credit packages purchased in fixed amounts (R$40, R$70, R$130, R$250, R$500) that are consumed per query at slightly higher rates than postpaid plans. Credits valid for 60 days from recharge date. No fixed contract or loyalty requirement.
3. Additional Query Charges: Over-quota queries beyond the included allocation in postpaid plans are charged at the same per-query unit rate as the contracted plan tier, billed on the monthly invoice.
4. Notification and Negativation Services: Automated communication services (email and SMS) for debtor notification and negativation included with postpaid plans, enabling businesses to register debtors in SCPC and alert other companies about credit risk.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Boa Vista (operating as Equifax BoaVista) is a Brazilian credit bureau that provides businesses with credit information, scoring, fraud prevention, and risk management solutions. It administers the SCPC negative credit database and the Cadastro Positivo positive credit registry, delivering CPF and CNPJ consultation reports, probability-based credit scores on a 0-1,000 scale, portfolio monitoring, transactional anti-fraud, and debtor notification/negativation services to Brazilian companies via subscription plans, prepaid credits, and an authenticated web portal.

Product overview

Boa Vista (operating as Equifax BoaVista) is a Brazilian credit bureau offering a unified platform of credit information and risk management solutions. The product portfolio includes core credit reporting products (Consulta CPF and Consulta CNPJ) with associated scoring and recommendations, supplemented by a positive credit registry (Cadastro Positivo), the SCPC negative credit database, and client management solutions. The company operates both post-paid subscription plans (Essencial, Business, Executivo, Corporativo, and Enterprise) providing bundled access to CPF/CNPJ reports with monthly fees ranging from R$99.90 to R$399.90, and pre-paid credit recharge options (R$40, R$70, R$130, R$250, R$500) for pay-per-query usage. The platform supports credit decisions, fraud prevention, client prospecting, portfolio management, and debt collection across Brazil's financial ecosystem.

Differentiator

Problem solved

Functional benefit

Brands

• SCPC: Serviço Central de Proteção ao Crédito - the credit database containing information about overdue and unpaid debts, administered by Boa Vista.
• Cadastro Positivo
• Equifax OneScore
• BlueBox

Products and services

• Consulta CPF (Acerta) Family of CPF (individual taxpayer registry) credit consultation reports providing cadastral data, restrictive information, behavioral indicators, credit scores with decision recommendations, positive payment indicators, recent contracts, and future commitment ratios to support credit granting decisions for Brazilian businesses.
• Consulta CNPJ (Define) CNPJ (legal entity taxpayer registry) credit consultation reports providing registration data, debts, protests, credit behavior indicators, restrictive information, and credit limit and decision recommendations for businesses assessing other companies.
• Score de Crédito Credit scoring product that calculates a 0 to 1,000 probability score indicating the likelihood of a consumer or business paying bills on time, based on statistical models using data from Cadastro Positivo and other sources.
• Equifax OneScore Credit risk analysis and scoring product providing probability-based score outputs to support decision-making in credit granting processes.
• SCPC (Serviço Central de Proteção ao Crédito) Brazil's central credit protection service database containing information on overdue and unpaid debts, enabling negative registration of debtors and alerting other businesses about credit risk.
• Cadastro Positivo Positive credit registry containing financial and payment data related to credit operations and payment obligations (fulfilled or ongoing) for individuals and businesses, enabling more complete credit analysis by including positive payment behavior beyond restrictive data.
• BlueBox Client prospecting and acquisition solution that transforms database attributes into strategies, monetizes customer portfolios, and optimizes results through customized marketing segmentations to identify ideal customers and target product/service offerings.
• Monitoramento PF Individual customer portfolio monitoring providing daily alerts on any changes in customer data and access to portfolio financial situation to support decisions that can increase revenue.
• Monitoramento PJ Business customer portfolio monitoring enabling control over portfolio financial health with CNPJ and CPF monitoring and analysis of customer financial behavior and default risk.
• Antifraude Transacional Fraud prevention solution using data for assertive decisions and fraud prevention across all stages including onboarding, transactions, and chargebacks, with fast order validation for online purchases.
• Proteção de Identidade e Onboarding Identity protection and onboarding solution for fraud prevention during customer registration and account opening processes, validating identities and reducing onboarding risk.

Quantifiable outcome

• Cost per query decreases with higher-tier plans — up to 25% savings on per-query cost with Corporativo plan vs Essencial plan
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature7 records

Partnerships

One partnership is on record.

• Equifax Inc.coreOEM/ Whitelabel/ Licensing PartnerEquifax BoaVista is the Brazilian subsidiary and brand of Equifax Inc., a global credit bureau founded in 1899 in Atlanta, USA. Boa Vista operates as Equifax's Brazilian operations, leveraging Equifax's global technology, data, and analytics capabilities while maintaining local brand presence. The relationship involves technology transfer, brand licensing, and operational integration between the global parent and Brazilian subsidiary.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/boavistaconsumidorpositivo
• LinkedInlinkedin.com/company/boavista

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Boa Vista