How-To

How to Check Your Credit Score in Nigeria for Free (2025)

The Problem:

You don't know your credit score or history

The Solution:

Get free reports from Nigeria's credit bureaus and understand your score

Step-by-Step Guide

Nigeria has three licensed credit bureaus: CRC Credit Bureau, FirstCentral, and CreditRegistry. All maintain records on your borrowing history.

By law, you're entitled to one free credit report per year from each bureau. Here's how to request:

You'll need: BVN, full name as on BVN, phone number linked to BVN, date of birth, and possibly a valid ID.

Your report shows: active loans, payment history, defaults, inquiries (who checked your credit), and your credit score (typically 300-850).

If you find incorrect information, file a dispute with the bureau. They must investigate within 30 days.

Do all lenders report to credit bureaus?

Most CBN-licensed lenders do. Some smaller apps may not. Assume any loan can affect your credit.

How long do negative marks stay?

Typically 5-7 years. But recent positive activity can offset old negatives.

Will checking my score hurt it?

No. Personal checks are 'soft inquiries' and don't affect your score. Only lender checks count.

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