Meu Acerto
Meu Acerto (Acerto) is a Brazilian digital self-serve debt negotiation platform, wholly owned by Grupo Inter, that lets individual consumers consult their CPF for free and renegotiate debts with discounts up to 99% across 30+ bank, retail, telecom, and education creditor partners.
- Company typePrivate
- Founded2017
- HeadquartersBelo Horizonte, Brazil
- Headcount51–100
- GTM typeB2C
- OfferingSoftware
What Meu Acerto does
Meu Acerto (operating as Acerto) is a Brazilian digital debt negotiation platform headquartered in Belo Horizonte that connects individual consumers with a network of more than 30 creditor partners to renegotiate outstanding debts online. The platform is operated by ACERTO COBRANÇA E INFORMAÇÕES CADASTRAIS LTDA., a wholly owned subsidiary of Grupo Inter, and functions as a 100% digital, self-serve product: users consult their CPF (Brazilian tax ID) for free, view personalized debt offers with discounts up to 99%, configure entry amount, installment count (up to 60x), and discount level in real time, and complete agreements via boleto payment, with name clearance from credit bureaus within approximately 5 business days of first payment. The product surface includes the core Negociação de Dívidas portal (app.acerto.com.br), a partner-organized Central de Ajuda (Help Center), an LGPD-compliant Central de Privacidade, a financial education Blog Acerto, and an in-platform chatbot for support. Creditor partners span major banks (Itaú, Santander, Nubank, Inter, C6, BMG, Banco Pan, BTG Pactual, Porto), large retailers (Carrefour, Atacadão, Havan, Riachuelo, Renner, C&A, Magalu, Casas Bahia), telecom operators (Vivo, Claro), payment processors (Cielo, Mercado Pago), education groups (Cogna universities), and collection/credit buyers (Recovery, Credsystem, Ipanema, Jeitto, Omni, Ativos, ARC4, Itapeva, Digio, Neon). The company also surfaces offers under the federal Novo Desenrola Brasil program.
Acerto monetizes via transaction fees on successfully completed debt negotiations (pay-as-you-go on a freemium base where the CPF consultation is free), with specific fees and terms varying by partner creditor. Distribution is exclusively digital and partner-led: there are no physical branches or inbound phone support, and traffic is generated through partner-branded landing pages, organic content (blog and social channels including Instagram, Facebook, and LinkedIn), Google reviews, earned media, and a WhatsApp contact point. The company is recognized as a Top-3 debt negotiation platform in Brazil, with 2+ million CPFs consulted on the platform and a 2023 "Empresa Campeã" award in the Credit Recovery category from Reclame Aqui. Operating with a lean 51-100 person team out of a single Belo Horizonte office and no disclosed independent fundraising, Acerto relies on Grupo Inter for capital and ecosystem support, including a dedicated "Acerto + Inter" integration that deepens the funnel with Banco Inter customers.
Meu Acerto firmographics
Firmographics- Name
- Meu Acerto
- Legal name
- ACERTO COBRANÇA E INFORMAÇÕES CADASTRAIS LTDA.
- Website
- https://meuacerto.com.br
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Meu Acerto (Acerto) is a Brazilian digital self-serve debt negotiation platform, wholly owned by Grupo Inter, that lets individual consumers consult their CPF for free and renegotiate debts with discounts up to 99% across 30+ bank, retail, telecom, and education creditor partners.
- Ownership category
- akta.pro rank
Meu Acerto industry classification
Industry- Product category
- Debt Negotiation Platform
- NAICS
- Collection Agencies (561440)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ)
Keywords
Where Meu Acerto is headquartered
LocationHeadquarters
- HQ city
- Belo Horizonte
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Meu Acerto business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Debt Negotiation Transaction Fees: Acerto earns revenue by facilitating debt negotiations between consumers and creditor partners. The platform charges fees for each successful agreement completed, with terms varying by partner. Discounts up to 99% are offered on debts, with installment options up to 60x.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free CPF consultation with personalized debt offers |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels7 records
Meu Acerto product offering
Product offeringCore offering
Meu Acerto operates a 100% digital, self-serve debt negotiation platform that enables Brazilian consumers to consult their CPF for free, view outstanding debts from 30+ creditor partners, and negotiate settlement terms with discounts of up to 99% and installment plans of up to 60x. The platform aggregates offers from 9 major banks, 6 large retailers, and 6 telecom/utility companies, allowing users to customize entry amount, installment count, and discount level with real-time visibility, automated agreement generation, and boleto-based payment processing. Users can clear their name from credit bureaus within 5 business days of the first payment without phone calls or in-person visits.
Product overview
Meu Acerto (Acerto) operates as a digital debt negotiation platform that connects consumers with their creditor partners to renegotiate outstanding debts. The core product is the Acerto Negociação de Dívidas platform, accessed via the Portal de Negociação at app.acerto.com.br, which enables free CPF consultation, visualization of debts from partnered creditors, personalized discount offers (up to 99%), and installment payment agreements (up to 60x) processed via boleto. The offering is complemented by the Central de Ajuda (Help Center) organized by creditor partner (e.g., Recovery, Vivo, Claro, Banco Pan, Itapeva, Porto Seguro), the Blog Acerto for financial education content, a Chatbot for in-platform support, and a Central de Privacidade for LGPD-compliant data subject rights management. The company acts as an intermediary between consumers and creditor partners including banks (Itaú, Santander, BMG, Banco Pan, Inter, C6), retailers (Carrefour, Havan, Riachuelo, Renner, Casas Bahia, Magalu), and service providers (Vivo, Claro, Cielo, Recovery).
Differentiator
Problem solved
Functional benefit
Products and services
- Acerto - Negociação de Dívidas (Digital Debt Negotiation Platform) 100% digital, self-serve debt negotiation platform that allows Brazilian consumers to consult their CPF for free, view outstanding debts from 30+ creditor partners, and negotiate settlement terms with discounts up to 99% and installment plans up to 60x, with automatic agreement generation and boleto-based payment. Users can clear their name from credit bureaus within 5 business days of the first payment without making phone calls or in-person visits.
Quantifiable outcome
- Name cleared from credit bureau within 5 business days after payment
- +1 more outcomes
Companies that use Meu Acerto
Customer profileSegments2 records
Ideal customer profiles2 records
Meu Acerto technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Meu Acerto partnerships and signals
Strategic signalPartnerships
33 partnerships are on record, tiered core.
- ItaúcoreItaú is one of Brazil's largest banks and a creditor partner on the Acerto platform, allowing its customers with debts to negotiate through the platform.
- SantandercoreSantander Brazil, one of the major banks, partners with Acerto to offer debt negotiation services to its customers.
- NubankcoreDigital bank Nubank offers its customers debt negotiation capabilities through the Acerto platform.
- IntercoreBanco Inter, a Brazilian digital bank, has a dedicated partnership with Acerto (Acerto + Inter) including special integration and terms.
- C6 BankcoreC6 Bank customers can negotiate their debts through the Acerto platform.
- Banco BMGcoreBanco BMG partners with Acerto for debt recovery and customer negotiation services.
- Banco PancoreBanco Pan offers debt negotiation services through Acerto for its customers.
- BTG Pactual (Banco BTG Pactual)coreBTG Pactual customers can negotiate debts through the Acerto platform.
- Porto (Porto Seguro)corePorto Seguro, including insurance and banking services, offers debt negotiation through Acerto.
- Carrefour BrasilcoreCarrefour, one of Brazil's largest retailers, allows customers to negotiate store-related debts through Acerto.
- AtacadãocoreAtacadão (Carrefour group) customers can negotiate debts through the platform.
- HavancoreHavan, a major Brazilian department store chain, offers debt negotiation with up to 60% discount and up to 24x installments through Acerto.
- Riachuelo (Midway)coreRiachuelo fashion retailer customers can negotiate debts through Acerto.
- RennercoreRenner clothing retailer offers debt negotiation services to its customers via Acerto.
- C&AcoreC&A fashion retailer partners with Acerto for customer debt negotiation.
- Magazine Luiza (Magalu)coreMagazine Luiza customers can negotiate debts through the Acerto platform.
- Casas BahiacoreCasas Bahia, major Brazilian furniture and electronics retailer, offers debt negotiation through Acerto.
- VivocoreVivo, a major Brazilian telecommunications company, offers debt negotiation to its customers through the Acerto platform.
- ClarocoreClaro telecom customers can negotiate their debts through the Acerto platform.
- RecoverycoreRecovery is a major debt collection company that partners with Acerto to help consumers negotiate purchased debts.
- Cogna (Universities)coreCogna Educacional group including Anhanguera, Pitágoras, UNIME, UNIDERP, UNOPAR, UNIC, and other educational institutions offer debt negotiation through Acerto.
- CielocoreCielo, a major payment processor, offers debt negotiation services to its customers via Acerto.
- Mercado PagocoreMercado Pago, the payments arm of Mercado Livre, allows customers to negotiate debts through Acerto.
- NeoncoreNeon digital bank customers can negotiate debts through the Acerto platform.
- DigiocoreDigio, a digital bank (Banco do Brasil group), partners with Acerto for customer debt negotiation.
- CredsystemcoreCredsystem is a credit and collection services company that partners with Acerto for debt negotiation.
- JeittocoreJeitto, a Brazilian fintech for credit, offers debt negotiation services through Acerto.
- OmnicoreOmni, a financial services company, allows customers to negotiate debts via Acerto.
- Itapeva (Banco Itapeva)coreBanco Itapeva customers can negotiate debts through the Acerto platform.
- IpanemacoreIpanema partners with Acerto for debt negotiation services.
- AtivoscoreAtivos, a financial services company, offers debt negotiation through the Acerto platform.
- ARC4coreARC4 partners with Acerto for customer debt negotiation services.
- Grupo IntercoreAcerto is a company of the Grupo Inter. Grupo Inter is the parent company of Acerto, providing brand affiliation and infrastructure support. The company is legally named ACERTO COBRANÇA E INFORMAÇÕES CADASTRAIS LTDA., CNPJ 24.533.496/0001-27, and operates as part of the Inter group ecosystem.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Meu Acerto competitors and assessment
Company assessmentDirect peers
- Acordo Certo: Acordo Certo is a Brazilian online debt negotiation platform that connects consumers with creditor partners for discounted settlements. Competes head-to-head with Acerto in the same PLG/self-serve debt renegotiation category.
- Serasa Limpa Nome: Serasa Limpa Nome is Brazil's largest consumer debt negotiation platform, operated by Serasa Experian. It directly competes with Acerto by offering online negotiation of defaulted debts with discounts and installments, leveraging Serasa's credit bureau data and broad creditor relationships.
- Quero Quitar (Negocie Online): Quero Quitar (formerly Negocie Online) is a Brazilian digital debt negotiation platform with a similar self-serve model and creditor partner network. It is a direct competitor in offering discounted debt settlements to Brazilian consumers.
- Limpa Nome Online: Limpa Nome Online is a Brazilian digital debt negotiation service that helps consumers clear negative credit listings and renegotiate debts with partner creditors. It competes directly with Acerto in the same debt recovery intermediation category.
Broad incumbents
- Boa Vista SCPC: Boa Vista is a major Brazilian credit bureau that also offers debt negotiation solutions to consumers. As a broad incumbent, it overlaps with Acerto's credit-clearing use case but is anchored in its credit bureau data franchise rather than debt negotiation.
Others
- Recovery (Grupo Recovery): Recovery is one of Brazil's largest debt collection firms and simultaneously a creditor partner on Acerto's platform. It is comparable to Acerto's debt recovery function but operates primarily as a traditional B2B collection agency rather than a consumer-facing PLG marketplace.
- Credsystem: Credsystem is a Brazilian credit and collection services company that partners with Acerto. It is comparable as a debt recovery services provider that interfaces with consumers and creditors in the same workflow as Acerto.
- Omni S/A Crédito: Omni is a Brazilian financial services and credit company that also partners with Acerto. It participates in the same debt negotiation ecosystem through debt purchase and consumer credit offerings, making it a relevant adjacent player.
- ARC4 (BRL Trust / ARC4): ARC4 is a Brazilian financial services firm offering credit and collection solutions, also a creditor partner on Acerto's platform. It is thematically comparable as a participant in the Brazilian debt negotiation and recovery ecosystem.
- Ativos S.A. Ativos is a Brazilian financial services company specializing in credit recovery and distressed asset management. It is also a creditor partner on Acerto's platform and comparable as a player in the Brazilian debt recovery value chain.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Meu Acerto social profiles
Digital presenceMeu Acerto financial estimates
Financial estimateRevenue estimate
Valuation estimate
Meu Acerto leadership team
Management profileNumber of profiles
Profiles1 record
Meu Acerto funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Meu Acerto M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Meu Acerto
What does Meu Acerto do?
Meu Acerto operates a 100% digital, self-serve debt negotiation platform that enables Brazilian consumers to consult their CPF for free, view outstanding debts from 30+ creditor partners, and negotiate settlement terms with discounts of up to 99% and installment plans of up to 60x. The platform aggregates offers from 9 major banks, 6 large retailers, and 6 telecom/utility companies, allowing users to customize entry amount, installment count, and discount level with real-time visibility, automated agreement generation, and boleto-based payment processing. Users can clear their name from credit bureaus within 5 business days of the first payment without phone calls or in-person visits.
Is Meu Acerto a public or private company?
Meu Acerto is a private company. It is classified as corporate owned and is currently operating.
When was Meu Acerto founded?
Meu Acerto was founded in 2017. It employs 51 to 100 people.
Where is Meu Acerto based?
Meu Acerto is headquartered in Belo Horizonte, Brazil, in the Latin America region.
How does Meu Acerto make money?
One revenue line is on record: debt Negotiation Transaction Fees.
Who are Meu Acerto's main competitors?
Direct peers on record are Acordo Certo, Serasa Limpa Nome, Quero Quitar (Negocie Online) and Limpa Nome Online. Boa Vista SCPC is listed as a broad incumbent. Others are Recovery (Grupo Recovery), Credsystem, Omni S/A Crédito, ARC4 (BRL Trust / ARC4) and Ativos S.A..
Does Meu Acerto have an API?
No public API is recorded for Meu Acerto.
What industry is Meu Acerto in?
Meu Acerto's product category is Debt Negotiation Platform. Its primary akta.pro industry code is FSAKAJAJ, Payment Processing for Collections (Lockbox, ACH, Card, IVR). Its NAICS code is 561440 and its SIC code is 7320.