Got Bad Credit? Here’s How to Renegotiate Debts with Up to 99% Discount in 2026
- What Is the Serasa Clean Name Fair?
- How to Negotiate Your Debts
- Before You Negotiate: Check Your Debts
- Why This Matters Now
- Official Serasa Channels
- FAQs
Struggling with debt and a tarnished credit score? The Serasa "Clean Name Fair" is back in 2026, offering massive discounts of up to 99% for overdue payments. With over 2,000 participating companies—including banks, retailers, telecom providers, and credit cooperatives—this is your chance to settle debts affordably and repair your financial reputation. Read on to learn how to navigate the process, avoid common pitfalls, and take the first step toward financial recovery.
What Is the Serasa Clean Name Fair?
The Serasa Clean Name Fair is Brazil’s largest debt renegotiation event, running from February 23 to April 1, 2026. Designed to tackle the country’s record-high delinquency rate (49.6% of adults, totaling 81.3 million people), the fair connects consumers with creditors offering flexible payment terms. With R$524 billion in active debts nationwide, the initiative targets overdue bills from credit cards (26.3%), utilities (22%), and non-bank financial institutions (19.8%).
How to Negotiate Your Debts
Participants can renegotiate via multiple channels: Serasa’s website, mobile app, WhatsApp (+55 11 99575-2096), phone, or in-person at Correios branches. Some deals allow instant credit score improvements upon payment via PIX, boleto, or credit card, with installments as low as R$9.90. Note: Debts involving court protests, taxes, bounced checks, or bankruptcy must be resolved directly with creditors or authorities.
Before You Negotiate: Check Your Debts
Use Serasa’s free online tool () to review open debts, including defaults, protests, and legal actions linked to your CPF. "This fair isn’t just about quick fixes," says Aline Maciel, Serasa’s director. "It’s a starting point for financial education—helping consumers understand their situation and plan for the future."
Why This Matters Now
Brazil’s economic pressures have made long-term financial planning difficult for families. The fair’s timing aligns with rising inflation and unemployment, offering a lifeline to those drowning in high-interest debt. Pro tip: Compare offers across creditors—discounts vary by lender and debt type.
Official Serasa Channels
Website:
App: Available on Google Play and App Store
WhatsApp: +55 11 99575-2096
FAQs
Can I negotiate government debts at the fair?
No. Taxes and other government-related debts must be handled directly with the Federal Revenue Service.
How long does it take to clear my name after payment?
Creditors have up to 5 business days to update your status after Serasa processes the payment.
Are there hidden fees?
Reputable participants disclose all terms upfront. Always request a written agreement before paying.
