How to Get Credit Bureau Report in Nigeria for Free 2024

A credit bureau report is a crucial tool that allows individuals to assess their creditworthiness and financial standing.

In Nigeria, obtaining a credit bureau report can provide valuable insights into one’s credit history and assist in making informed financial decisions.

While some credit bureaus charge a fee for accessing credit reports, methods are available to obtain this report for free.

This article will explore the steps and resources required to obtain a free credit bureau report in Nigeria.

By understanding the process, individuals can take control of their financial well-being and unlock opportunities for improved financial management.

Credit Bureau Reports

A credit bureau report, often called a credit report, is a comprehensive record of an individual’s credit history.

It contains information about their borrowing and repayment activities, including details of loans, credit cards, and other forms of credit.

The report also includes information about the individual’s payment history, outstanding debts, and adverse events such as defaults or late payments.

Credit bureau reports, such as loan applications, rental agreements, or credit card approvals, are crucial in financial decision-making processes.

Lenders and financial institutions use these reports to assess an individual’s creditworthiness and determine the risk of extending credit.

Obtaining a Credit Bureau Report in Nigeria

In Nigeria, three main credit bureaus are authorized by the Central Bank of Nigeria (CBN): Credit Bureau Association of Nigeria (CBAN), Credit Registry, and CRC Credit Bureau Limited. While these bureaus may charge a fee for credit reports, individuals can access their accounts for free through various channels. Here’s how:

Annual Free Credit Report

According to the Credit Reporting Act, individuals are entitled to one free credit report per year from each credit bureau. This provision allows Nigerians to obtain their credit reports without incurring any charges.

To access this free report, follow these steps:

  • Contact the Credit Bureau: Visit the website of the desired credit bureau, such as CBAN, Credit Registry, or CRC Credit Bureau. Locate the section dedicated to credit reports and follow the instructions provided.
  • Complete the Request Form: Fill out the necessary information, including personal details, identification documents, and other relevant data. Ensure the accuracy of the provided information to avoid delays or discrepancies in the report.
  • Submit the Request: Once the form is completed, submit it to the credit bureau through the designated method, such as online submission, email, or physical mail. Be sure to follow the specified instructions to ensure a smooth process.
  • Verification and Report Delivery: The credit bureau will verify the information provided and conduct the necessary checks. Upon successful verification, the credit report will be generated and delivered to the individual through the chosen delivery method, including email, postal mail, or online access.

Online Platforms and Mobile Apps

Several online platforms and mobile apps provide free access to credit bureau reports in Nigeria. These platforms collaborate with credit bureaus to provide users with their credit reports and additional financial services. To obtain a free credit report through these platforms, follow these steps:

  • Choose a Reliable Platform: Research and select a reputable online platform or mobile app that offers free credit reports in Nigeria. Examples include CreditClan, Kuda, or Paylater (now known as Carbon). Ensure the venue has a partnership or integration with official credit bureaus.
  • Create an Account: Sign up for an account on the chosen platform by providing the required personal information. This may include name, contact details, and identification documents.
  • Verify Identity: Some platforms may require additional steps for identity verification. This could involve submitting scanned copies of identification documents or answering security questions to confirm identity.

Financial Institutions and Lenders

Certain financial institutions and lenders provide access to credit reports as part of their customer services. If you have an existing relationship with a bank or lender, you can inquire whether they offer free credit reports to their customers. Some institutions may provide access to credit reports through their online banking portals or customer service representatives.

  • Contact Your Financial Institution: Contact your bank or lender and inquire about their credit report services. Ask whether they provide free access to credit reports for their customers.
  • Provide Required Information: If the institution offers this service, they may request certain information to confirm your identity and account details. Provide the information required as per their requirements.
  • Access Your Credit Report: Once your identity and account details are verified, you can access your credit report through the institution’s designated platform or customer service channels.

Maintaining Regular Monitoring of Credit Reports

Obtaining a free credit bureau report is a valuable step towards understanding your financial position. However, it is essential to remember that credit reports are not static documents and can change over time. Therefore, it is recommended to maintain regular monitoring of your credit report to stay informed about any changes or discrepancies. Here are a few tips for monitoring your credit report:

  1. Regular Check-Ups: Aim to review your credit report at least once a year or as required by your financial circumstances. Regular check-ups will help you stay aware of your credit standing and detect any inaccuracies or potentially fraudulent activities.
  2. Dispute Errors or Inaccuracies: If you notice any errors or inaccuracies on your credit report, promptly report them to the respective credit bureau. Follow their dispute resolution process to correct the information and ensure the accuracy of your credit report.
  3. Stay Alert for Suspicious Activities: Keep a close eye on your credit report for any unusual activities or accounts you do not recognize. This could be a sign of identity theft or fraudulent activities. Contact the credit bureau and relevant authorities immediately if you identify suspicious entries.
  4. Maintain Healthy Financial Habits: Your credit report reflects your financial behaviour and repayment history. By practising healthy financial habits, such as making timely payments, managing debt responsibly, and avoiding excessive borrowing, you can positively impact your credit report and increase your creditworthiness.


Obtaining a free credit bureau report in Nigeria is essential in understanding and managing your financial health.

By accessing your credit report, you gain valuable insights into your credit history and can make informed financial decisions.

Individuals can obtain credit reports through annual free reports, online platforms, or partnerships with financial institutions at no cost.

Regularly monitoring your credit report ensures accuracy, allows for prompt resolution of errors, and helps in detecting and preventing fraudulent activities.

Taking control of your credit history can unlock opportunities for financial growth and stability in Nigeria.

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2 thoughts on “How to Get Credit Bureau Report in Nigeria for Free 2024”

    • To clean your BVN from the blacklist, you can follow these steps:

      1. Pay your debts: The primary cause of your BVN getting blacklisted may be due to loan defaults. You should clear and repay all your loans and debts.

      2. Contact the credit bureau: You can contact the credit bureau where your BVN is listed and request that they remove your name from the blacklist. They will usually require you to provide proof that you have cleared your debts.

      3. File a complaint with the Central Bank of Nigeria (CBN): If you have tried to contact the credit bureau and they have refused to remove your name from the blacklist, you can file a complaint with the CBN. The CBN will investigate the matter and may order the credit bureau to remove your name from the blacklist.

      It is important to note that the process of cleaning your BVN from the blacklist can take some time. You should be patient and persistent, and you should follow all the steps above.


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