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Get your FREE FirstCentral Credit Score

Check your credit score and see what lenders think of you. Lending decisions made using our credit data, we’ve got the score that counts.
(Note: You can only check your free score once monthly)


FirstCentral Credit Bureau


A credit score is a statistical number that evaluates a consumer’s creditworthiness and is based on the individual’s credit history. It is an instant decision making tool that helps to reduce the time and cost associated with processing and underwriting credit applications.

Portfolio Monitoring Review (PMR)

The PMR report gives you an overview of your portfolio’s (internal and external) activity and performance over a specific time or period. The performance charts display the historical credit value and statistics of your portfolio as well as its performance.


iRemedy is a platform that allows authenticated users (financial and Non-financial institutions) edit records and also generate reports using a maker-checker system. The processes and status of operations can also be monitored and checked on the platform.


Generate Credit Report

FirstCentral Credit Bureau offers credit reports, credit scores, and daily monitoring. Check your updated credit report and always know where your credit stands. Input your BVN and get your score.

Enhancing Possibilities

FirstCentral Credit Bureau

Nigeria’s First and Truly Independent Credit Intelligence Firm

  • Improve my credit score
  • Dispute my credit score/report
  • Get credit score analysis
  • Take a loan
  • Check my credit score
  • View my credit score

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Credit Worthy?

Credit Worthiness reflects a person’s, company’s, or entity’s ability to pay back a debt.


Credit Ratings?

A credit rating is an assessment of the creditworthiness of a borrower in general terms.


What's Your Value?

Your values are the things that you believe are important in the way you live and work.

Need Credit?

Most people know they need a good credit score, but often do not understand why.

Our Testimonials

What People Say

Since I started using FirstCentral Credit Bureau my clients have been very happy at our reporting system which has on turn boost our customer base.

FirstCentral reports are concise, detailed and easy to understand. This has become a critical part of our risk management process, enabling us to effectively grow our revenues while managing the risk of doing so.

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Latest News



  • Nigerian Banks Have Been Given A Deadline To Review Dead Customers BVN

    The Central Bank of Nigeria (CBN) has asked banks and other financial institutions to notify the Nigeria Interbank Settlement System (NIBSS) of a deceased customer’s Bank Verification Number (BVN) within 24 hours of confirmation. The directive is included in the apex bank’s modified BVN guideline, which was signed by Musa Jimoh, the bank’s Director of Payment System Management. The circular read, “Within 24 hours of confirmation, report the BVNs of confirmed deceased clients to NIBSS for designation as “Deceased” on the BVN database.” The banks are also expected to delist the BVN from the watch-list using the watch-list report supplied […]
  • First Bank collaborates with NIBSS to promote digital payments.

    First Bank of Nigeria Limited announced a collaboration with the Nigeria Inter-Bank Settlement System Plc on its recently established Nigeria Quick Response payment service. The NQR, it said in a statement on Wednesday, was a novel payment method implemented for all financial service providers and aimed to promote quick and easy transactions by scanning the code on a mobile device. According to the bank, the program lowered costs for merchants and banks by providing quick value for person-to-person and person-to-business transactions by just scanning to pay. Unlike other QR schemes, the NQR was established with lower charges that were less […]
  • Delinquent Debtors Use Nigeria’s Judiciary To Thwart Recovery — Emefiele

    Godwin Emefile, Governor of the Central Bank of Nigeria, said on Tuesday that obstinate debtors had exploited the Nigerian judicial system’s lack of prioritization of credit collection proceedings to thwart debt recovery operations by financial institutions in the country. The governor made this known in Abuja during a training for judicial officers on recent banking and financial services reforms in Nigeria: Banks and other Financial Institutions Act, 2020 in Focus. Emefiele, who was represented by Aisha Ahmad, Deputy Governor, Financial System Stability, emphasized the importance of the courts in preserving the CBN’s mandate and guaranteeing the financial system’s orderly operation. […]
  • AfDB President – Nigeria must Address Its Debt Problems

    Dr. Akinwumi Adesina, President of the African Development Bank, has encouraged the country to take quick action to address debt difficulties, noting that debt servicing costs and inadequate foreign exchange policies are substantial impediments to the country’s economic progress. Adesina made the remarks on Monday during the Mid-Term Ministerial Performance Review Retreat, which was held both virtually and physically at the Presidential Villa. He emphasized the importance of repairing the country’s economic framework. “Nigeria must address its debt challenges decisively,” he stated. The issue is not the debt-to-GDP ratio, as Nigeria’s debt-to-GDP ratio of 35% is still considered reasonable. “The […]
  • GTCO Ranked First In Net Income Margin At 42 Percent

    According to an examination of the financial filings of banks listed on the Nigerian Exchange Limited, Guaranty Trust Holding Company Plc had the largest net income margin in the first half of 2021. In total, the 13 commercial banks listed on the NGX generated N1.76 trillion in revenue in H1 2021. During the same time period, the banks earned a total of N460.41 billion in net income. Banks, unlike other companies listed on the exchange, do not simply display revenue as the top line on the income statement; instead, they provide gross margin, net interest income, and other information. The […]
  • The African Continental Free Trade Agreement (AfCFTA) Has The Ability To Bring Over 100 Million Africans Out Of Poverty – CBN

    The Central Bank of Nigeria (CBN) has indicated that if implemented properly, the African Continental Free Trade Area (AfCFTA) has the potential to raise over 100 million Africans out of poverty while improving earnings, including those of women and unskilled workers. Mr Osita Nwanisobi, the bank’s Director of Corporate Communications, said this on Thursday, October 7, 2021, during the 16th International Trade Fair organized by the Abuja Chamber of Commerce and Industry (ACCI). Mr Nwanisobi stated that the primary purpose of the apex bank was to restore economic stability by aiding individuals, SMEs, and significant enterprises that had been severely […]