Serasa runs the most-installed credit score app in Brazil. CPF check, Serasa Score, credit-card offers, and the Limpa Nome debt-negotiation marketplace all live in the same app. The combination is convenient. The cost shows up in the upsell volume: Serasa Premium banners crowd the home screen, Limpa Nome push notifications fire frequently, and the score model itself stays opaque. If the alerts have started to feel like advertising and the Premium subscription no longer earns its keep, the Brazilian credit-monitoring shelf has Serasa alternatives that range from rival credit bureaus to debt-negotiation specialists to digital banks that ship score checks inside the account app.
This guide compares 7 Serasa alternatives, organised across pure credit-bureau apps, debt-negotiation specialists, and digital banks that include score checks as an account feature.
Quick comparison
| App | Best for | Score check | Debt negotiation | Subscription tier |
|---|---|---|---|---|
| SPC Consumidor | Rival credit bureau | Yes | Limited | Free with premium tier |
| Consumidor Positivo | Boa Vista bureau view | Yes | Yes via Acordo Certo | Free |
| Acordo Certo | Debt-renegotiation focus | Indirect | Yes (specialist) | Free |
| Konsi | Payroll loan marketplace | Indirect | Indirect | Free |
| Nu | Score check inside the bank | Yes (Nu Score) | No | None |
| Banco Inter | Score plus banking | Yes | No | None |
| iti Itaú | Itaú-backed digital | Limited | No | None |
Why people leave Serasa
Serasa still wins on bureau scale and bank-relationship depth, but the app has gotten loud in a few specific ways.
- Premium upsell prominence. The Serasa Premium tier sits in front of routine score checks. Free-tier alerts arrive frequently and some surface only after a Premium prompt.
- Limpa Nome notification fatigue. Debt-negotiation push notifications fire often, including for resolved debts the user no longer recognises.
- Score model opacity. The Serasa Score is a number between 0 and 1000, but the input weights are not public. Users complain about score moves with no obvious trigger.
- Ads in the feed. Credit-card offers and partner banners take up a large share of the home screen.
- Premium subscription cost. The Premium tier carries a monthly fee that overlaps with score checks that other apps provide for free.
Which Serasa alternative should you choose?
- SPC Consumidor if you want a rival bureau view of your CPF.
- Consumidor Positivo if you want the Boa Vista bureau view.
- Acordo Certo if debt negotiation is the actual draw.
- Konsi if you want to compare credit and loans across banks.
- Nu if Nu Score and the bank account in one app are enough.
- Banco Inter if you want a credit view inside a full bank app.
- iti Itaú if you want a lightweight Itaú-backed account with credit insights.
1. SPC Consumidor — best Serasa alternative for the rival bureau view
SPC Consumidor is the consumer-facing app for the CDL/SPC credit bureau, an alternative to Serasa Experian’s data set. Many retailers and credit grantors consult SPC alongside Serasa, so the SPC view of your CPF often differs in useful ways. The app handles CPF status, negative entries, and a score view from the SPC model.
Where it falls short: Debt-negotiation marketplace is narrower than Serasa’s Limpa Nome. Some banks lean more heavily on Serasa data than SPC.
Pricing: Free CPF check. Premium tier adds alerts and identity-monitoring features.
SPC Consumidor vs Serasa: SPC wins on a second-opinion bureau view. Serasa wins on the Limpa Nome marketplace depth.
Bottom line: Pick SPC Consumidor to see the CPF view that retailers use alongside Serasa.
2. Consumidor Positivo — best for the Boa Vista bureau view
Consumidor Positivo surfaces the Boa Vista SCPC credit-bureau view of your CPF. Boa Vista runs Cadastro Positivo, the opt-in positive credit history that improves the score for users with a steady payment record. The app reports the Cadastro Positivo score, surfaces alerts, and links to debt negotiation through partners.
Where it falls short: App polish trails Serasa. Some features mirror Serasa Premium and require partner-app handoffs.
Pricing: Free. No mandatory subscription tier.
Consumidor Positivo vs Serasa: Consumidor Positivo wins on the Boa Vista view and the positive credit data. Serasa wins on the integrated debt marketplace.
Bottom line: Pick Consumidor Positivo to see the Boa Vista view and track positive payment data.
3. Acordo Certo — best for debt-negotiation as the primary use case
Acordo Certo focuses on debt negotiation. The app lists outstanding debts across major creditors, surfaces discount offers similar to Serasa Limpa Nome, and handles the negotiation flow without an underlying bureau app. For users whose only Serasa use case is paying down old debts at a discount, Acordo Certo strips out the score and the credit-card offers.
Where it falls short: No standalone Serasa-style score. Credit-bureau view limited to partner data.
Pricing: Free to use. Debt-settlement discounts vary by creditor.
Acordo Certo vs Serasa: Acordo Certo wins on a focused negotiation flow without bureau-app overhead. Serasa wins on integrated CPF and score data.
Bottom line: Pick Acordo Certo when negotiating debts is the only Serasa feature you actually use.
4. Konsi — best for comparing payroll loans and credit offers
Konsi runs a credit marketplace that compares payroll loan rates across major Brazilian banks. The app surfaces pre-approved offers based on a CPF check, supports users with negative credit history, and routes applications to the bank with the best terms. The credit-monitoring side is lighter than Serasa’s, but the loan-comparison flow is sharper.
Where it falls short: Not a credit bureau. No standalone score model.
Pricing: Free to use. Loan terms set by the partner bank.
Konsi vs Serasa: Konsi wins on loan comparison and offer routing. Serasa wins on bureau-level CPF data.
Bottom line: Pick Konsi when you want to compare credit and payroll loan offers rather than monitor a score.
5. Nu — best for score-plus-bank in one app
Nu ships a built-in credit score check inside the bank account. The Nu Score uses Nu’s own data plus bureau data to surface a number similar to Serasa Score. Users who already bank with Nu can skip a standalone Serasa install for routine score monitoring.
Where it falls short: Score limited to Nu’s view. Debt-negotiation marketplace not present. CPF data narrower than Serasa Premium.
Pricing: Free with a Nu account. No subscription tier for the score.
Nu vs Serasa: Nu wins on bundling the score with the bank account. Serasa wins on bureau-level data depth.
Bottom line: Pick Nu when you already use the bank and only need a routine score view.
6. Banco Inter — best for credit insights inside a full bank app
Banco Inter surfaces a credit score view inside the super-app alongside the account, the brokerage, and Inter Shop. The credit insights connect to loan offers Inter can extend directly, which removes the marketplace handoff Serasa requires for credit card and loan offers.
Where it falls short: Score limited to Inter’s view. No equivalent to Serasa Limpa Nome for negotiating non-Inter debts.
Pricing: Free with an Inter account.
Banco Inter vs Serasa: Inter wins on direct credit access tied to the score. Serasa wins on cross-creditor coverage.
Bottom line: Pick Inter when the score is mostly there to qualify for credit you actually use.
7. iti Itaú — best for Itaú-backed digital with credit insights
iti is Itaú’s lightweight digital account. The app surfaces credit insights and pre-approved offers tied to Itaú’s internal scoring, with the same compliance backing as the full Itaú app. For users who want a Nu-like daily experience with traditional-bank infrastructure, iti carries less risk of unexpected account blocks during higher-volume periods.
Where it falls short: Score view less detailed than Serasa Premium. Debt marketplace absent.
Pricing: Free account. No mandatory subscription for credit insights.
iti Itaú vs Serasa: iti wins on bank-backed credit insights with no marketplace upsell. Serasa wins on bureau-grade CPF data.
Bottom line: Pick iti when you want a clean digital account with credit insights from Itaú’s data.
How to choose
For a second-opinion bureau view, install SPC Consumidor for the CDL/SPC data and Consumidor Positivo for the Boa Vista view. Many users keep all three alongside Serasa to see the full bureau picture.
For debt negotiation as the primary use case, Acordo Certo strips out the score and credit-offer overhead. The Limpa Nome equivalent is the entire app.
For credit comparison and loan routing, Konsi runs a marketplace across major banks that Serasa’s credit-card offers do not match.
For users who already bank with Nu, Banco Inter, or iti Itaú, the in-app score view covers routine monitoring without a separate Serasa install. The trade-off is a narrower bureau view.
Stay on Serasa when you use Serasa Premium actively, rely on Limpa Nome’s negotiation marketplace, or need the full bureau alerts the Premium tier delivers. The Premium subscription pays off for users who track CPF activity closely.
FAQ
What is the best Serasa alternative? For a rival bureau view, SPC Consumidor or Consumidor Positivo. For debt negotiation only, Acordo Certo. For users who already bank with Nu or Inter, the built-in score view often replaces Serasa entirely.
Is SPC Consumidor the same as Serasa? No. SPC is the CDL/SPC bureau view. Serasa is Serasa Experian. Many credit grantors consult both, so the views often differ.
Can I negotiate debts without Serasa? Yes. Acordo Certo handles debt negotiation as a standalone product. Banks like Inter, Nu, and the traditional banks also negotiate their own debts directly through the bank app.
Which app has the most accurate credit score? There is no single accurate score. Each bureau and bank uses a different model. The most useful view is to check Serasa, SPC, and the Boa Vista view together.
Is the score in Nu the same as the Serasa Score? No. Nu Score uses Nu’s data and partner data. Serasa Score uses Serasa Experian’s bureau model. The numbers move differently because the inputs differ.
