Acordo Certo

Unravel Brazil at Acordo Certo: settle bank debts with a discount.

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

With the Consumidor Positivo app, you can access Acordo Certo, our official debt negotiation brand, and check the negotiation conditions available for your debts within the Desenrola Brasil program — quickly and securely.

What is Acordo Certo? It's a brand of Consumidor Positivo — a digital platform that has existed since 2015 and has already helped millions of Brazilians renegotiate their debts online. Through Acordo Certo, you can access negotiation conditions, simulate proposals, and finalize your agreement 100% online.

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

🏦 Negotiate and settle debts with banks.

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

💸 Renegotiate with up to 90% discount
The Desenrola Brasil 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 with 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 queues, no branches, no bureaucracy.

📊 Track your Score in real time After paying off, see your Credit Score evolve directly in the Consumidor Positivo app.

Why use the Consumidor Positivo app?

✔ 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?

- Open the Consumidor Positivo app
- Access the "Negotiate Debts" feature
- You will be redirected to the Acordo Certo website
- Check your CPF and see the Desenrola negotiation conditions available for your debts
- Choose the best offer and finalize the agreement 100% online

Frequently Asked Questions:
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.