# Serasa Experian Credit Reports AI Agent Connect

> Serasa Experian Credit Reports MCP connects your AI client to the official Serasa Experian API. You can query CPF and CNPJ data to get full credit reports, standalone scores, economic group mappings, and credit ratings for individuals and legal entities in Brazil.

## Overview
- **Category:** finance
- **Price:** Free
- **Endpoint:** https://edge.vinkius.com/vk_preview_helYA1jVQufmWeD7X0h6poufDVDb3yihd9xaNnB2/ai-agent-connect
- **Tags:** serasa, experian, credit-bureau, credit-report, brazil, cpf, cnpj, score, kyc, risk-assessment

## Description

This MCP gives your AI agent direct access to the Serasa Experian credit bureau. Instead of manually checking databases, you can instruct your agent to pull specific credit profiles using a CPF or CNPJ. You can request full reports for individuals, including registration data and negative annotations, or pull detailed credit ratings and balance analyses for companies. If you only need specific metrics, you can grab standalone scores like the SCORE_POSITIVO or sector-specific risk scores without running a full report. The MCP also handles the heavy lifting of authentication by managing your Client ID and Secret, caching bearer tokens, and switching between production and sandbox environments based on your needs. It is a direct bridge between your reasoning engine and Brazil's primary credit data.

## Tools

### get_pf_economic_group
Identifies the economic group a person belongs to and its members. It returns the group composition starting from a natural person (PF).

### get_pj_credit_rating
Fetches credit ratings and analysis reports for legal entities (PJ). This includes tools for balance analysis and registration analysis.

### get_pj_economic_group
Maps the economic group and composition for a company. It identifies shareholders, subsidiaries, and financial participations for a PJ.

### get_pj_scores
Retrieves standalone scores for legal entities. You can pull specific models like SCORE_POSITIVO or sector risk scores without a full report.

### list_credit_reports
Lists all available report names for PF and PJ. Use this first to find the correct report name required for other tools.

### get_pf_report
Fetches a full credit report for an individual using their CPF. It includes registration data and negative annotations.

### get_pf_scores
Provides standalone scores and attributes for a natural person. This allows for quick score checks without pulling a full report.

### get_pj_report
Retrieves a complete credit report for a legal entity using its CNPJ.

## Prompt Examples

**Prompt:** 
```
Pull the full credit report for CNPJ 33.014.556/0001-96 and summarize its negative annotations and score.
```

**Response:** 
```
I fetched RELATORIO_AVANCADO_PJ. The company has 2 active negative annotations (1 pefin, 1 refin), no protests, and the credit score is 720 of 1000, which is risk class C. The shareholding data shows one partner with 90% participation.
```

**Prompt:** 
```
What standalone scores are available for this CPF, without a full report?
```

**Response:** 
```
I ran the Dados Avulsos PF query. The contracted models returned: Serasa Score (SCORE_POSITIVO, HSUJ) 640, and the registration-status attribute showing "Regular". No negative-data features are included in this product.
```

**Prompt:** 
```
Map the economic group behind this CNPJ.
```

**Response:** 
```
I queried Agrupe. This CNPJ belongs to an economic group of 4 companies: the holding company, two subsidiaries, and one related party via shareholding. The group also has a financial-participation link to a fifth company.
```

## Capabilities

### Individual Credit Checks
Your agent pulls CPF-based reports and scores to assess personal creditworthiness.

### Corporate Risk Assessment
The AI uses CNPJ data to fetch company ratings and balance analyses.

### Economic Group Mapping
Your agent identifies parent companies, subsidiaries, and shareholders to reveal corporate structures.

### Standalone Score Retrieval
The AI pulls specific credit attributes and scores without needing to process a full report.

### Environment Switching
The MCP manages transitions between production, homologation, and sandbox environments.

## Use Cases

### Automated KYC
An agent verifies a new user's identity and credit standing using their CPF during onboarding.

### Corporate Due Diligence
A researcher uses the agent to map out the subsidiaries and shareholders of a target company.

### Lending Risk Scoring
A financial tool pulls standalone scores to make instant credit decisions for small businesses.

### Fraud Prevention
The AI checks for negative annotations and specific fraud scores during high-risk transactions.

## Benefits

- Direct API connection to Serasa Experian removes the need for manual data entry.
- Automated token management handles authentication and session caching.
- Granular score retrieval allows for fast checks without the overhead of full reports.
- Automated base64 encoding handles complex report parameters for the user.

## How It Works

Connecting to Serasa Experian is a streamlined process that moves from authentication to data retrieval.

1. Connect your Serasa Experian credentials to the MCP via Vinkius.
2. Use the list_credit_reports tool to find the specific report name you need.
3. Provide the CPF or CNPJ to the relevant tool.
4. The MCP authenticates and fetches the data from the official API.
5. Your AI client receives the structured data to summarize or act upon.

## Frequently Asked Questions

**How do I find the correct report name for a query?**
You should call the list_credit_reports tool first. It returns the exact report_name strings required for all other PF and PJ tools.

**Can I get scores without a full credit report?**
Yes. You can use the get_pf_scores or get_pj_scores tools to pull standalone attributes and models like SCORE_POSITIVO.

**Does this MCP handle authentication?**
Yes. The MCP manages your Client ID and Client Secret, handles the 1-hour Bearer token, and manages the connection to the API.

**What data is available for companies (PJ)?**
You can access full credit reports, credit ratings, economic group mappings, and standalone scores for any CNPJ.

**Can I test this in a sandbox environment?**
Yes. The MCP can switch between production, homologation, and sandbox environments by changing the base URL.

**Where do I get my Serasa Client ID and Client Secret?**
Register and sign in at **developer.serasaexperian.com.br**, then contract the credit-report products you need. Serasa issues a Client ID / Client Secret pair per contract — paste both into the credential fields. Note that the pair only unlocks the report families you actually contracted; a report name you didn't buy returns an authorization error.

**What is the difference between the report families?**
Básico (Crednet family) gives registration data, negative annotations and score. Intermediário (Concentre) adds credit data. Avançado (Credit Bureau for PF, Relato for PJ) is the most complete. "Dados Avulsos" returns only scores and attributes. Agrupe maps economic groups, and Credit Rating returns the rating for legal entities. Call `list_credit_reports` to see the exact `report_name` for each.

**Why did my report call return an authorization error?**
Three common causes: the report family isn't contracted for your Client ID; the base URL doesn't match the environment where your credentials were issued (production vs homologation vs sandbox); or the token expired. The server caches the token for under an hour and re-authenticates automatically, and it clears the cache on a 401 so the next call re-logins. Volumes above your contracted average also trigger a consumption-variation lock — notify Serasa support before bulk runs.