Acordo Certo

Acordo Certo is a Brazilian digital platform that sells renegotiation of overdue consumer debt, not physical goods. The service is free for the end-user; creditors pay a success-based fee, positioning the offer in the “budget rescue” tier. All interaction is online—web and Android/iOS app—with 24-hour chat and WhatsApp support. The start-up’s USP is an AI-driven scoring engine that pre-approves discounted settlement offers in under two minutes and issues a renegotiation certificate that immediately blocks judicial collection. Over R$ 3 billion in defaulted debt has been renegotiated since 2019, and the “Acordo Certo Badge” is now accepted by major retailers as proof of resolved debt, opening installment plans for previously excluded shoppers. Typical users are 25-45-year-old Brazilians with 1-5 overdue obligations averaging R$ 3,500, who want to protect their credit score and avoid court action. The brand speaks to financial rebound, self-reliance, and the value of “cleaning one’s name” without humiliation; 62 % of customers enter the platform between 8 p.m. and 2 a.m., indicating gig-economy or shift-work lifestyles. Competitors include bank call centers, collection agencies, and other fintech marketplaces. Acordo Certo differentiates by acting as an independent, creditor-agnostic mediator, offering side-by-side comparisons of up to six discounted payoff plans, and providing a renegotiation certificate usable across multiple retailers, turning debt settlement into a gateway back to formal credit.