The average credit score of Brazilians fell from 548 to 542 points between April 2025 and the same month in 2026, according to the Serasa Score Map. The indicator, which ranges from zero to a thousand, measures the likelihood of the consumer honoring their financial commitments and can influence the conditions for obtaining credit, such as interest rates, limits, and terms.
In the State of Rio de Janeiro, the average was below the national figure, at 535 points, representing a five-point drop in one year. The downward trend was observed in all regions of the country.
Wesley Brandão, a Serasa specialist in financial education, explained that there is no single cause for the drop, as the score is calculated based on different aspects of each person's financial history. Among these aspects are bill payments, delinquent debts, credit market experience, recent inquiries for loans or financing, active contracts, and registration information.
