Limpa Nome:

The challenge

• Debts can spiral out of control. 
• As interest payments pile up on top of each other, the original debt becomes many times worse.
• More than 74 million people in Brazil – a third of the country’s population – have defaulted on their debts.  This impacts their credit rating making it difficult to access mainstream credit at reasonable rates. 

Our solution

Our Limpa Nome recovery portal enables consumers to renegotiate their debts with lenders and agree realistic payment plans that they can afford.

By clearing their name of bad debts, this empowers them to build financial confidence and take back control of their finances.  People repaying their debts via Pix instant payments can see their credit scores updated in real time on our Serasa app.

We go further through community outreach to help more people renegotiate their debts and learn about ways to avoid defaulting in future.

Experian volunteers contribute their expertise at Limpa Nome Fair events and a mobile unit, Serasa na Estrada, travels around the country. These initiatives also provide access to the online Limpa Nome recovery portal for people without internet.

Impact

• Over 12m Brazilians used Limpa Nome to renegotiate their debts in FY25

• US$ 14.5bn of debt renegotiated through Limpa Nome in Brazil

• Brazil’s Ministry of Finance chose Experian Serasa to power its Desenrola federal debt renegotiation programme