Acredita S.A.

What Acredita S.A. does

Acredita, S.A. is a Venezuelan financial technology company founded in 2003 that operates an integrated credit risk management and business intelligence platform for enterprise clients. Its core offering, the Credidata credit bureau, aggregates positive and negative credit-behavior information on approximately 18 million individuals — described as covering the entire banked population of Venezuela — with monthly updates governed by a reciprocity-based data-sharing model. Layered on top of this data foundation are three proprietary scoring solutions: Acierta P, a psychometric model predicting loan defaults via a dynamic questionnaire; Acierta BI, a behavioral risk score estimating 12-month 90+ day delinquency probability; and D-Cifra, an automated credit-policy evaluation engine that produces customized scores, limits, and segmentation against each client's exclusive criteria. A separate Data BI/DataWarehouse product delivers multidimensional analytics, KPI dashboards, scenario simulations, and predictive statistical models for client decision-making, while Gestión de Cobro provides automated SMS/email collection-notice infrastructure processing 100M+ monthly notices to reduce delinquency across recurring and extraordinary quotas.

The company serves approximately 85 enterprise clients distributed across banking, insurance, telecoms, retail, automotive, construction, and benefits management, with named logos including Banco de Venezuela, Banesco, Citibank Venezuela, Seguros Caracas, Toyota Venezuela, GMAC, EPA, and Mercado Libre. Its go-to-market is primarily direct enterprise field sales with consultative solution design, supplemented by self-service web portals (Credidata, Cobranza, SAES) accessible 24x7x365 for existing clients. Revenue is generated through recurring subscriptions for credit bureau and scoring access, professional services for BI project execution, and subscription-based collection management services, with custom contact-based pricing and no publicly disclosed tiers. The company maintains an affiliate relationship with Inteldata, C.A., an adjacent supplier-rating entity, and is headquartered at Torre Parque Avila in Caracas, Venezuela. Revenue figures, headcount, and external funding are not publicly disclosed.

Name

Acredita S.A.

Legal name

Acredita, S.A.

Website

https://acredita.com.ve

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

Acredita S.A. is a Venezuelan financial technology company operating the Credidata credit bureau covering 18 million individuals and delivering proprietary scoring models, business intelligence analytics, and automated collection management to approximately 85 enterprise clients in banking, insurance, retail, and other sectors.

Ownership category

akta.pro rank

Product category

Credit Bureau and Business Intelligence Services

NAICS

Credit Bureaus (561450), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro industry

PRIMARYFSAKAKAA

Credit Bureaus & Consumer Credit Reporting Agencies

Financial & Insurance/Lending & Consumer Finance/Credit Reporting, Scoring & Underwriting (Consumer)

SECONDARYFSAGADAE

Credit Score Monitoring & Credit Building

Financial & Insurance/Financial Technology (Fintech)/Personal Finance & Financial Wellness (PFM)

Keywords

• Credit bureau services
• Credit risk management
• Business intelligence
• Predictive analytics
• Collection management

Headquarters

HQ city

Caracas

HQ country

Venezuela

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Credit Information Services (Credidata): Subscription-based access to credit information database providing historical and current credit behavior data. Monthly data updates with validation processes.
2. Scoring Solutions: Customized scoring models for risk assessment, upsell, cross-sell, churn, activation, income estimation and other predictive analytics delivered as ongoing services.
3. Business Intelligence (Data BI): Data warehouse construction, dashboard development, and predictive analytics services. Includes multidimensional data structures and key performance indicators.
4. Collection Management: Automated collection notice services supporting management of recurring and extraordinary quotas with passive collection focus.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels6 records

Core offering

Acredita, S.A. operates a credit bureau and business intelligence platform for Venezuelan enterprises, providing credit information reports (Credidata), customized predictive scoring models (Acierta P, Acierta BI, D-Cifra), data warehouse and analytics services (Data BI), and automated collection management with SMS and email notifications (Gestión de Cobro). The platform serves banks, insurance companies, telecoms, and commerce firms with subscription access to a database covering 18 million individuals' credit histories.

Product overview

Acredita S.A. is a Venezuelan financial technology company offering a unified suite of credit risk management and business intelligence solutions. The core product portfolio consists of four main solutions: Credidata (credit bureau service providing payment behavior and debt level information), Data BI (business intelligence and data analytics platform), Scores (scoring solutions including Acierta P, Acierta BI, and D-Cifra for credit risk prediction), and Gestión de Cobro (debt collection management). These products work together to provide end-to-end credit risk management, from customer evaluation and scoring to collection optimization, serving financial institutions, businesses, and organizations managing credit relationships.

Differentiator

Problem solved

Functional benefit

Products and services

• Credidata Credit bureau information platform providing consistent, truthful, updated, and timely data on current and historical payment behavior and debt levels of individuals for use by banks, financial institutions, insurance companies, telecoms, and corporations. Information is updated monthly under a reciprocity principle with rigorous validation and security processes.
• Acierta P
• Acierta BI
• D-Cifra
• Data BI
• Gestión de Cobro

Quantifiable outcome

• 23 BI projects executed in two years for companies in various sectors
• +3 more outcomes

Named customers18 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature6 records

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• TransUnion: Global credit bureau with established Latin American operations (including TransUnion Latinoamérica). Comparable because it sells consumer credit reporting, scoring, and decisioning solutions to banks, insurers, and retailers — the same core buyer set as Acredita.
• Equifax: Global credit bureau with deep Latin American footprint through Equifax Latinoamérica. Directly comparable as it provides consumer and commercial credit reporting, scoring, and analytical services to financial institutions, retailers, and telecoms — overlapping with Credidata, Scores, and Data BI.
• Experian: Global credit bureau operating across Latin America through Datacrédito and other affiliates. Comparable on credit information, scoring, and analytics offerings sold to banks, retailers, and consumer lenders — directly overlapping Acredita's product suite.
• FICO: Global analytics and credit scoring company whose scoring models and decisioning software are widely used by banks and consumer lenders. Comparable to Acredita's Acierta P, Acierta BI, and D-Cifra scoring solutions, though FICO focuses on model and software licensing rather than proprietary credit bureau data.
• CRIF: Italian-headquartered credit bureau and decisioning solutions provider with significant Latin American operations (Mexico, Central America, Caribbean). Directly comparable on bureau data, scoring models, and collection management services sold to financial institutions.

Regional players

• Datacrédito: Colombian credit bureau (Experian affiliate) providing consumer and commercial credit reports, scores, and decisioning tools to banks, retailers, and corporates. Comparable as a regional LatAm credit bureau offering the same product categories as Acredita's Credidata and Scores.
• CODunificada: Ecuadorian credit bureau serving the local banking, retail, and corporate market with credit reporting and risk solutions. Comparable as a single-country Latin American credit bureau offering subscription-based credit information services to financial institutions.
• Círculo de Crédito: Mexican consumer credit bureau that maintains a national credit database and supplies credit reports and scores to lenders. Highly comparable as a regional credit bureau in a Latin American emerging market with similar client base to Acredita, though serving Mexico rather than Venezuela.
• Sentinel (Peru): Peruvian credit bureau providing consumer credit information and risk scoring to financial institutions and retailers in Peru. Comparable as a national-scale Latin American credit bureau with similar operating model and customer verticals to Acredita.

Emerging players

• Inteldata, C.A. Venezuelan credit risk evaluation and supplier rating services company affiliated with Acredita (cited as a related entity in company history). Directly comparable as a Venezuelan credit information and rating provider serving the same local market and customer verticals.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/acreditagroup
• Facebookfacebook.com/acreditagroup
• LinkedInlinkedin.com/company/acreditagroup
• Instagraminstagram.com/acreditagroup

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

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 Acredita S.A.