SerasaConsumidor
SerasaConsumidor is the consumer-facing arm of Serasa Experian in Brazil, providing credit scoring (0-1,000 scale), debt negotiation via 2,200+ partners, credit marketplace access, identity protection (Premium), and bill management to Brazilian individuals through web, mobile, WhatsApp, and 10,000+ Correios locations.
- Company typePrivate
- Founded2012
- HeadquartersSão Paulo, Brazil
- Headcount101–250
- GTM typeB2C
- OfferingServices
What SerasaConsumidor does
SerasaConsumidor is the consumer-facing digital platform of Serasa S.A., a Brazilian credit bureau operating within the Serasa Experian group (the Brazilian subsidiary of global information services company Experian plc). The company provides Brazilian individuals with credit score access, debt negotiation, credit product comparison, identity protection, and bill management through a freemium model served via website, iOS/Android mobile apps, WhatsApp, and 10,000+ Correios physical locations plus periodic Feirão debt negotiation events. Its core product is the Serasa Score (0-1,000 scale) supported by the Cadastro Positivo positive credit registry, with debt settlement facilitated through the Limpa Nome platform connecting consumers to 2,200+ creditor partners including all major Brazilian banks, telecoms, utilities, and retailers.
The underlying technology stack combines credit bureau data analytics with open finance integration (Conexão Bancária) and Pix-enabled real-time score updates, supplemented by anomaly detection capabilities (Dark Web monitoring, boleto fraud detection) within the Serasa Premium subscription tier. Revenue is generated across four streams: Premium subscriptions (recurring), Limpa Nome debt negotiation transaction fees, Crédito marketplace referral commissions to partner lenders, and affiliate revenue from Descontaço discounts and partner-distributed insurance products. The B2B enterprise arm (Serasa Experian B2B/empresas) operates as a separate revenue line selling credit analytics and fraud prevention to financial institutions, but is distinct from the consumer division analyzed here.
SerasaConsumidor is headquartered in São Paulo (Torre Sucupira, Chacara Santo Antonio) with additional offices in São Carlos, Blumenau, Brasília, Florianópolis, and Recife. The company operates as a private subsidiary; its legal entity is Serasa S.A. (CNPJ 62.173.620/0104-95). Leadership identified in the data includes Silvio Frison (Vice President) and William Oliveira (Product Lead). The company holds ISO/IEC 27001 certification and operates in compliance with Brazil's LGPD data protection law, and is party to a Termo de Ajustamento de Conduta (No. 845/21 MPDFT) under the Consumer Protection Authority.
SerasaConsumidor firmographics
Firmographics- Name
- SerasaConsumidor
- Legal name
- Serasa S.A.
- Website
- https://serasaconsumidor.com.br
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- SerasaConsumidor is the consumer-facing arm of Serasa Experian in Brazil, providing credit scoring (0-1,000 scale), debt negotiation via 2,200+ partners, credit marketplace access, identity protection (Premium), and bill management to Brazilian individuals through web, mobile, WhatsApp, and 10,000+ Correios locations.
- Ownership category
- akta.pro rank
Where SerasaConsumidor is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices6 records
Markets served
SerasaConsumidor business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Serasa Premium Subscription: Monthly and annual subscription plans offering CPF/CNPJ monitoring, Dark Web scanning, alerts, exclusive features, and premium support. The subscription model provides recurring revenue from individual consumers seeking enhanced financial protection.
- Debt Negotiation Intermediation: Serasa acts as an intermediary platform connecting debtors with creditors, facilitating debt renegotiation and settlement. The company earns fees from the transaction facilitation, operating as a corresponding institution for financial services.
- Credit Marketplace: Platform connecting consumers with loans and credit cards from partner financial institutions. Serasa earns referral fees or commissions from lenders when credit products are originated through the platform.
- Business Solutions (Serasa Experian B2B): Enterprise-level data and analytics services for businesses including credit analysis, fraud prevention, market analysis, and debt collection solutions, serving as a separate revenue stream through the parent company Serasa Experian.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free tier with basic CPF/Score access |
| Subscription | Monthly | Serasa Premium Monthly |
| Subscription | Annual | Serasa Premium Annual |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels10 records
SerasaConsumidor product offering
Product offeringCore offering
SerasaConsumidor is a Brazilian consumer credit platform that lets individuals consult their CPF and Serasa Score (0–1,000), negotiate debts with discounts through Serasa Limpa Nome (2,200+ creditor partners), simulate and request loans and credit cards via Serasa Crédito, and monitor personal data and Dark Web leaks under a Serasa Premium subscription. The platform combines free score access with subscription, transaction-fee, and referral-revenue monetization, supported by a mobile app, web portal, WhatsApp, and physical access via Correios locations.
Product overview
SerasaConsumidor operates as a comprehensive financial health ecosystem comprising multiple interconnected products and services. The core platform centers on credit intelligence with Serasa Score (predictive credit scoring 0-1,000), Serasa Limpa Nome (debt negotiation with 2,200+ partners), and Serasa Crédito (credit marketplace). Supporting services include Serasa Premium (fraud protection and identity monitoring with Dark Web scanning), Serasa Carteira Digital with Minhas Contas (digital wallet and bill management), Serasa Cadastro Positivo (positive credit registry), and supplementary tools like calculators, insurance, and discount coupons. The products integrate within a unified mobile app and web platform, enabling consumers to consult scores, negotiate debts, manage bills, monitor credit, and access personalized financial products—all from a single account.
Differentiator
Problem solved
Functional benefit
Brands
- Serasa Score: Credit scoring system that rates consumers from 0 to 1,000 indicating probability of paying bills on time
- Serasa Limpa Nome
- Serasa Crédito
- Serasa Premium
- Serasa Carteira Digital
- Serasa Cadastro Positivo
- Serasa Calculadoras
- Serasa Renda Extra
- Serasa Você Consulta
- Minhas Contas
- Serasa Seguros
- Carteira de Dados
Products and services
- Serasa Score Credit scoring system that rates Brazilian consumers on a scale of 0 to 1,000, indicating the probability of paying bills on time. Weights payment history (29%), Cadastro Positivo registry (24%), debt status (21%), credit history length (12%), credit types (12%), and recent credit applications, with real-time score updates triggered by Pix debt payments.
- Serasa Limpa Nome Online debt negotiation platform enabling Brazilian consumers to settle outstanding debts with discounts and installment options across a network of 2,200+ partner creditors including banks (Itaú, Bradesco, Santander, Banco do Brasil, Nubank, C6 Bank), telecoms (Claro, Vivo, Oi, TIM), retailers (Carrefour), utilities (Enel, Neoenergia subsidiaries), and debt collectors (Recovery).
- Serasa Crédito Credit marketplace that allows Brazilian consumers to simulate and request personal loans and credit cards from partner financial institutions and fintechs, with personalized rates based on the user's credit profile. Serasa earns referral commissions when credit products are originated through the platform.
- Serasa Premium Subscription-based identity protection and fraud prevention service offering real-time CPF/CNPJ monitoring, Dark Web scanning for leaked personal data, score blocking controls, alerts on credit inquiries, pre-negativation warnings, three free third-party CPF/CNPJ consultations per month, and instant Serasa Statement downloads. Available on monthly and annual billing.
- Serasa Carteira Digital Digital wallet solution integrated into the Serasa mobile app that enables money transfers, bill organization, vehicle debt payments, and IPVA consultation through the Minhas Contas feature.
- Serasa Cadastro Positivo
Quantifiable outcome
- Debt settlement with discounts up to 100% (R$5,000 debt settled for R$13.00)
- +2 more outcomes
Companies that use SerasaConsumidor
Customer profileNamed customers4 records
Segments2 records
Ideal customer profiles2 records
SerasaConsumidor technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability5 records
Feature4 records
SerasaConsumidor partnerships and signals
Strategic signalPartnerships
18 partnerships are on record, tiered core.
- ClarocoreClaro is one of Brazil's largest telecom operators and a partner in the Serasa Limpa Nome debt negotiation platform, allowing Claro customers to negotiate their telecommunications debts through Serasa.
- C6 BankcoreDigital bank partner offering debt negotiation services through the Serasa platform, enabling C6 Bank customers to resolve outstanding obligations.
- ItaúcoreItaú Unibanco, one of Brazil's largest banks, partners with Serasa for debt renegotiation, allowing customers to settle banking debts through the platform.
- SantandercoreSantander Brazil is a key banking partner in the Serasa Limpa Nome network, offering debt settlement options to bank customers via the platform.
- VivocoreVivo, a major Brazilian telecommunications company, partners with Serasa for debt negotiation, enabling customers to settle telecom debts.
- CarrefourcoreRetail partner allowing Carrefour customers to negotiate debts through Serasa's platform, expanding debt settlement access to retail consumers.
- RecoverycoreRecovery, a major debt collection company, partners with Serasa to offer debt resolution services through the platform.
- NubankcoreNubank, Brazil's largest digital bank, partners with Serasa for debt negotiation services on the platform.
- BradescocoreBradesco, one of Brazil's largest banking institutions, participates in the Serasa Limpa Nome network for debt renegotiation.
- Banco do BrasilcoreBrazil's largest state-owned bank partners with Serasa for debt settlement services through the platform.
- OicoreOi, major Brazilian telecom operator, offers debt negotiation through Serasa's platform for its customers.
- Neoenergia (including Coelba, Elektro, Cosern, Brasília)coreNeoenergia electricity utility group partners with Serasa, with multiple regional subsidiaries (Coelba, Elektro, Cosern, Brasília) offering debt negotiation through the platform.
- EnelcoreEnel energy company partners with Serasa for electricity bill debt negotiation through the platform.
- TIMcoreTIM, Brazilian telecommunications company, offers debt negotiation via Serasa platform.
- UnimedcoreUnimed, Brazil's largest health cooperative network, offers debt negotiation through Serasa.
- Serasa Experian (Parent Company)coreSerasa is part of the Serasa Experian group, leveraging Experian's global credit data infrastructure and analytics capabilities.
- Mova Sociedade de Empréstimo entre PessoascoreSerasa S.A. is certified as a corresponding institution for Mova, operating under CMN Resolution 4.935/21 for peer-to-peer lending services, receiving and processing loan applications.
- SPC BrasilcoreSPC Brasil (Serviço de Proteção ao Crédito) is a partner organization, with Serasa credit records also viewable through SPC databases as part of cross-protection network integration.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
SerasaConsumidor competitors and assessment
Company assessmentEmerging players
- NerdWallet: US consumer finance comparison and credit education platform monetized via affiliate referrals; analogous vertical to Serasa Crédito with content-led funnel.
- Creditas: Brazilian consumer fintech using alternative data and home/auto collateral for credit decisions; adjacent to SerasaCrédito in matching consumers with credit offers.
- Nubank: Brazil's largest digital bank and a Serasa Limpa Nome partner; issues its own credit cards and personal loans using internal risk models, competing indirectly with Serasa Crédito marketplace.
Direct peers
- ClearScore: UK-based consumer credit platform offering free Experian scores, monitoring, and product matching; operates an international model (UK, South Africa, Australia) closely paralleling Serasa's Brazil model.
- Credit Karma (Intuit): US consumer credit platform offering free scores, monitoring, and a credit product marketplace monetized via lender referral fees — the closest global analog to SerasaConsumidor's free-plus-marketplace model.
- SPC Brasil: Brazilian credit information network serving consumers and businesses with credit reports, score, and debt-clearing services; cited as a Serasa integration partner but operates competing consumer offerings.
- Boa Vista SCPC: Brazilian credit bureau directly competing with Serasa; offers consumer credit reports, SCPC score, debt negotiation (Acordo Certo), and identity protection. Most comparable domestic competitor.
Broad incumbents
- QuintoAndar: Brazilian consumer finance and rental platform using credit data and proprietary underwriting; broader Brazilian fintech incumbent that competes for consumer credit decisioning mindshare.
- TransUnion Brasil: Brazilian arm of TransUnion; operates a competing consumer credit reporting bureau with its own score product analogous to Serasa Score.
- Equifax Brasil: Brazilian arm of global credit bureau Equifax; offers consumer and business credit reporting services directly competing with Serasa's bureau core.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights6 records
Customer concentration
SerasaConsumidor social profiles
Digital presenceSerasaConsumidor compliance and trust
Trust signalCompliance2 records
SerasaConsumidor financial estimates
Financial estimateRevenue estimate
Valuation estimate
SerasaConsumidor leadership team
Management profileNumber of profiles
Profiles2 records
SerasaConsumidor funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SerasaConsumidor 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 SerasaConsumidor
What does SerasaConsumidor do?
SerasaConsumidor is a Brazilian consumer credit platform that lets individuals consult their CPF and Serasa Score (0–1,000), negotiate debts with discounts through Serasa Limpa Nome (2,200+ creditor partners), simulate and request loans and credit cards via Serasa Crédito, and monitor personal data and Dark Web leaks under a Serasa Premium subscription. The platform combines free score access with subscription, transaction-fee, and referral-revenue monetization, supported by a mobile app, web portal, WhatsApp, and physical access via Correios locations.
Is SerasaConsumidor a public or private company?
SerasaConsumidor is a private company. It is classified as corporate owned and is currently operating.
When was SerasaConsumidor founded?
SerasaConsumidor was founded in 2012. It employs 101 to 250 people.
Where is SerasaConsumidor based?
SerasaConsumidor is headquartered in São Paulo, Brazil, in the Latin America region.
How does SerasaConsumidor make money?
Four revenue lines are on record. Serasa Premium Subscription is the primary driver. The others are debt Negotiation Intermediation, credit Marketplace and business Solutions (Serasa Experian B2B).
Who are SerasaConsumidor's main competitors?
Emerging players on record are NerdWallet, Creditas and Nubank. Direct peers are ClearScore, Credit Karma (Intuit), SPC Brasil and Boa Vista SCPC. Broad incumbents are QuintoAndar, TransUnion Brasil and Equifax Brasil.
Does SerasaConsumidor have an API?
No public API is recorded for SerasaConsumidor.