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CreditConnection empowers you to see what lenders see. Get your annual credit report FREE and look to find any information damaging your credit and get it fixed. Become a member to get a comprehensive look at your SMARTScore, payment history, debt-to-income ratio and overall performance of your credit history.

Are banks not giving you a loan? Let CreditConnection offer you assistance resolving disputes if something has been reported incorrectly about your credit. We will work directly with lenders to help identify the problems and fix them.

CreditRegistry is Nigeria’s pioneer and leading credit bureau operator since 2003. If you have ever been given credit or provided a service and allowed to pay later, this CreditConnection service is designed just for you!

CreditConnection helps you take control of your credit information, be smart about protecting your credit reputation, and become a savvy user of credit. We can also help you review your credit report to look for improvements.

Some of our services include:

  • Securely provide you with your credit report instantly.
  • Monitoring your credit history to ensure that your information is accurate.
  • Alerting you to changes about information reported about you.
  • Provide you with valuable information that will improve your creditworthiness.

Please note that CreditRegistry does NOT provide loans or credit.

  • Free access to your annual credit report.
  • Sign up to receive your credit report and credit monitoring services
  • Instant access to your credit information anytime and from the privacy of your own device
  • Assistance to resolve credit report disputes or errors
  • CreditConnection is your online resource to help you build and manage your credit.
  • CreditConnection helps you to understand your credit report and make healthy credit choices.
  • Our approach to credit is Smart. Safe. Simple. We provide secure, reliable and easy access to your credit information, and work with lenders to help you achieve your financial goals.

According to Nigeria’s Credit Reporting Act 2017, Credit Bureaus are permitted by law to collect information. Therefore, it is also permitted by law that every individual is entitled to one free copy of her credit report every 12 months. If you haven’t received your FREE credit report within the last 12 months, just click to sign up to receive it from CreditRegistry.

It is always a good idea to keep a close watch on your credit report. For that reason, CreditConnection enables you to view your credit report instantly and as often as you like. You will need to have a BVN and some identification details. Also, after your FREE annual credit report, there will be a nominal fee for additional credit reports. Your credit report will be available instantly.

A Credit Report can include many things such as:

  • profile information (i.e. name, phone, date of birth, BVN, address),
  • number of loans reported by creditors,
  • performance in terms of delinquency and write-offs,
  • number of enquiries for credit,
  • credit limits and account balances,
  • length of time on bureau,
  • non-financial data, etc.

Your Credit Report contains a history of your credit obligations and how you have performed or missed payments. It is created by CreditRegistry from information it has collected about you from banks, lenders and service providers to assess the type of credit risk you pose.

Just like you build your Curriculum Vitae (CV) with great work experiences, you want to build your Credit Report with great credit experiences. You want all former creditors and service providers to report positive information about your credit performance to CreditRegistry. Take care of your credit and it will take care of you.

Help and Support

  • CreditConnection believes that you should have the same instant-access to your credit information to make smart decisions and build your CreditChops.

Get instant access to your credit status by downloading My Credit Report. You can view your current score, debt-to-income ratio, payment history, credit balances and limits. You’ll see any negative marks added to your credit history as well.

Improve your credit worthiness by disputing erroneous information on your credit report. We’ll work for you by contacting your bank directly to resolve problems and fix any errors you find.

Receive notifications when there are changes to your SMARTScore and monitor changes on your credit report. Alerts and monitoring will help you take control of your credit.

With CreditConnection you can take control of your credit reputation. Get alerts to monitor changes reported about your credit performance. You will always be on top of your SMARTScore and immediately know when negative marks are reported.

Absolutely! CreditConnection empowers you to take control of your credit. You can purchase your credit report so that you can monitor your credit information and receive alerts about changes in your credit report. This allows you address delinquencies quickly or dispute and correct any erroneous information.

If you find inaccurate information in your credit report you have the right to dispute that information and have it corrected.

There are a few steps to file a dispute:

  • Make sure your credit report is valid. Credit reports are valid for 30 days only.
  • For outdated credit reports, order an updated report to confirm if the inaccurate information has been corrected.
  • If you still find inaccurate information, you can use your dashboard in CreditConnection to dispute the inaccurate information.
  • The service provider who reported the inaccurate information will be contacted to investigate and make corrections.
  • CreditConnection will contact you immediately when your dispute has been resolved.
  • Know what the lenders know. Never be caught unaware of your own credit performance. If you have a loan, review your credit report at least once a month.
  • Found errors? Don’t wait. Dispute credit report errors immediately. CreditConnection is your trusted source to assist you with disputes.
  • Pay bills on time – every time! There’s simply no better way to build credit.
  • Don’t apply for too many loans in a given period.
  • The 30% Rule: Manage your credit utilisation ratio. That just means use less than 30% of your allowed credit limit to keep your credit score solid.
  • Always remember, if you take care of your credit, it will take care of you!