Which App(s) Can I Use to Check My Credit Score in Nigeria?

It is essential to know your credit score if you need to access loans, credit cards, and even tenant agreements in Nigeria. The good news is that some platforms and apps allow you to get your credit information. Below is a rundown of the most trustworthy options you have:

Scorewise Platform: Available for download on iOS (Apple App Store) and Google PlayStore
Features:

• Free monthly credit score checker after simple KYC.
• Instant score display (300–850) with grades such as Excellent, Good, Fair, or Poor.
• Credit repair and improvement services.
• Access to credible lending applications.
• Personalized tips to improve your credit score.

Best for: Users seeking an easy-to-use app to get detailed information about their credit score, monitor, and improve it.

NairaCompare
Platform: Web-based
Features:

• One free credit score check per year.
• Instant score display (300–850) with grades such as Excellent, Good, Fair, or Poor.
• Complete credit report at a fee, including payment history and credit usage details.

Best for: Users who need detailed information regarding their credit history.

Tendar
Platform: Web-based
Features:

• Advanced credit score and decisioning engine based on credit history, employment status, income, and debt-to-income ratio.
• Integration with credit bureaus for quick access to necessary data.
• Customized loan products and terms according to individual financial profiles.

Ideal for: Developers and companies that want to integrate credit scoring into their platforms.www.tendar.co

Pebblescore
Platform: Web-based
Features:

• Real-time credit score and report access.
• Track changes and monitor borrowing.
• Credit repair and improvement services.

Ideal for: Users who want to check their credit scores.

CreditRegistry
Platform: Web-based
Features:

• Free annual credit report.
• Credit monitoring and alert system.
• Support in the resolution of disputes for credit report errors.

Ideal for: Customers who want to stay informed of their credit journey.

Tips for Managing Your Credit Score in Nigeria:

• Regular Monitoring: Use these platforms to check your credit score regularly and stay informed about your financial well-being.
• Dispute Inaccuracies: If you find discrepancies in your credit report, dispute them promptly with the relevant credit bureau.
• Build Credit History: Engage in activities that build your credit history, such as BNPL and paying credit facilities promptly.
• Understand Determinants of Credit Score: Understand payment history, credit utilization, credit history length, and what influences your credit score.

While there are numerous legitimate means of checking your credit score in Nigeria, Scorewise is the most convenient and easiest to use for individuals. With free monthly credit score checks, personalized improvement suggestions, and access to reputable lending apps, all following a speedy KYC process, Scorewise offers an easy way of keeping your credit health in order without hassles.

For developers and fintechs, Tendar and Scorewise are the go-to products because of their credit scoring and decision engine, integration with other systems, making it ideal for businesses aiming to create smarter lending products and more personalized financial services.

Whether you're a consumer wishing to enhance your credit score or an organization aiming to innovate, these two products offer the best value.

Download the Scorewise app on the App Store or Play Store.