SerasaConsumidor

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.

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

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. 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.
3. 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.
4. 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

Go-to-market motion2 records

Distribution channels6 records

Marketing channels10 records

Core 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

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature4 records

Partnerships

18 partnerships are on record, tiered core.

• ClarocoreChannel Partner/ Reseller/ DistributorClaro 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 BankcoreChannel Partner/ Reseller/ DistributorDigital bank partner offering debt negotiation services through the Serasa platform, enabling C6 Bank customers to resolve outstanding obligations.
• ItaúcoreChannel Partner/ Reseller/ DistributorItaú Unibanco, one of Brazil's largest banks, partners with Serasa for debt renegotiation, allowing customers to settle banking debts through the platform.
• SantandercoreChannel Partner/ Reseller/ DistributorSantander Brazil is a key banking partner in the Serasa Limpa Nome network, offering debt settlement options to bank customers via the platform.
• VivocoreChannel Partner/ Reseller/ DistributorVivo, a major Brazilian telecommunications company, partners with Serasa for debt negotiation, enabling customers to settle telecom debts.
• CarrefourcoreChannel Partner/ Reseller/ DistributorRetail partner allowing Carrefour customers to negotiate debts through Serasa's platform, expanding debt settlement access to retail consumers.
• RecoverycoreChannel Partner/ Reseller/ DistributorRecovery, a major debt collection company, partners with Serasa to offer debt resolution services through the platform.
• NubankcoreChannel Partner/ Reseller/ DistributorNubank, Brazil's largest digital bank, partners with Serasa for debt negotiation services on the platform.
• BradescocoreChannel Partner/ Reseller/ DistributorBradesco, one of Brazil's largest banking institutions, participates in the Serasa Limpa Nome network for debt renegotiation.
• Banco do BrasilcoreChannel Partner/ Reseller/ DistributorBrazil's largest state-owned bank partners with Serasa for debt settlement services through the platform.
• OicoreChannel Partner/ Reseller/ DistributorOi, major Brazilian telecom operator, offers debt negotiation through Serasa's platform for its customers.
• Neoenergia (including Coelba, Elektro, Cosern, Brasília)coreChannel Partner/ Reseller/ DistributorNeoenergia electricity utility group partners with Serasa, with multiple regional subsidiaries (Coelba, Elektro, Cosern, Brasília) offering debt negotiation through the platform.
• EnelcoreChannel Partner/ Reseller/ DistributorEnel energy company partners with Serasa for electricity bill debt negotiation through the platform.
• TIMcoreChannel Partner/ Reseller/ DistributorTIM, Brazilian telecommunications company, offers debt negotiation via Serasa platform.
• UnimedcoreChannel Partner/ Reseller/ DistributorUnimed, Brazil's largest health cooperative network, offers debt negotiation through Serasa.
• Serasa Experian (Parent Company)coreOthersSerasa is part of the Serasa Experian group, leveraging Experian's global credit data infrastructure and analytics capabilities.
• Mova Sociedade de Empréstimo entre PessoascoreChannel Partner/ Reseller/ DistributorSerasa 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 BrasilcoreTechnology or IntegrationSPC 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

Emerging 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

• Xtwitter.com/tonaserasa
• YouTubeyoutube.com/SerasaConsumidor
• Facebookfacebook.com/serasaconsumidor
• LinkedInlinkedin.com/company/serasaconsumidor
• Instagraminstagram.com/serasa
• TikToktiktok.com/@serasa

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about SerasaConsumidor