Serasa

Serasa is a Brazilian credit information company that collects, stores, and provides data related to the creditworthiness of individuals and businesses. It operates in Brazil as a major credit bureau and, as Serasa Experian, is part of the global Experian group.

The core services include Serasa Score, a credit score used by lenders to estimate credit risk; credit reports detailing debts, payments, and credit inquiries; and tools for identity verification, fraud prevention, and digital onboarding. The company also offers consumer-facing services such as the Limpa Nome platform to facilitate debt renegotiation.

Data sources are banks and other financial institutions, retailers, telecoms, and public records; data may include payment histories, outstanding debts, and court decisions. The information supports credit decisioning, risk monitoring, and compliance with regulations like Cadastro Positivo.

Regulation: In Brazil, Serasa operates under data protection laws (LGPD). Individuals can request access to their data, correct inaccuracies, object to processing, or request deletion in certain cases, and dispute entries in their credit file.

History and ownership: Founded in the mid-20th century as a Brazilian credit bureau, Serasa later joined forces with Experian, becoming Serasa Experian. The brand is widely used across the Brazilian financial system and has been a driver of credit scoring and consumer credit data practices.