Acordo Certo

Desenrola Brasil has arrived — and Acordo Certo is ready to help you.

Through the Acordo Certo app, you can check the negotiation conditions available for your debts within the Desenrola Brasil program and finalize the agreement 100% online — quickly, securely, and without bureaucracy.

What is Acordo Certo? We are an online debt negotiation platform that has been around since 2015 and has already helped millions of Brazilians resolve their financial issues. It is a brand of Consumidor Positivo — part of the Equifax Boa Vista group, one of the largest references in credit and financial analysis in Brazil. Here, you negotiate with security, support, and credibility.

What you can do:

🔎 Check your CPF for free: Discover which debts are negatively impacting your credit score — quickly, for free, and without bureaucracy.

🤝 Over 45 partner companies: Negotiate debts with major banks like Itaú, Nubank, and Bradesco, telephone operators, universities, retailers, and much more — all in one place, through the app.

🏦 Negotiate and settle debts with banks through Desenrola: Credit cards, overdrafts, and personal loans — the debts that weigh most heavily on your budget. Access Acordo Certo, see if your bank debt is eligible for the program, and take advantage of special conditions to pay it off once and for all.

💸 Renegotiate with up to 90% discount

Desenrola Brasil's conditions are available through Acordo Certo. Simulate, compare, and choose the offer that fits your budget.

💳 Use your FGTS to pay off your debt

The new Desenrola allows you to use your FGTS balance to eliminate debt. Check Acordo Certo to see if this condition is available to you.

📱 100% Online — Negotiate without leaving home

Everything through the Acordo Certo website, accessed directly through the app. No lines, no branches, no bureaucracy.

Why use the Acordo Certo app?

✔ Credibility — we are a brand of Consumidor Positivo, part of the Boa Vista group, a reference in credit in Brazil

✔ Simplicity — everything you need to clear your name is in one place

✔ Security — your data is treated with confidentiality and total protection

✔ Savings — take advantage of the best discounts and market conditions

✔ Free — debt consultation at no cost

How does it work?

1. Open the Acordo Certo app

2. Check your CPF and see the available debts

3. See the Desenrola conditions available for your case

4. Choose the best offer

5. Finalize the agreement 100% online

Frequently Asked Questions:

Do I need documents to negotiate?

You only need your CPF (Brazilian tax identification number). To complete the process, you will also need to provide your date of birth, cell phone number, email address, and mother's name.

What debts can be negotiated through Desenrola? Bank debts (credit card, overdraft, personal loan), as well as debts with retailers, universities, and securitization companies. It's worth checking which ones are eligible on our platform.

Is it safe to provide my data?

Yes. Acordo Certo and Consumidor Positivo treat your data with complete security, following the guidelines of the LGPD (Brazilian General Data Protection Law).