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Credit Approval Decisions Start Here

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.

Introducing the FirstCentral F-ALERT SMS/ EMAIL system. Get access to information on customer’s loan scoring and reports via SMS with analysis of the impact of non-repayments straight through your gadgets. F-ALERT aims to convince customers to pay up outstanding sums and improve their credit score.

This medium reaches the customer directly, and educates them on the impact of late/non-repayment of their loans hence improving repayment without breaching the privacy law

Firstcentral New Enquiry Portal is now BETA with features that makes the experience worth your while.

Introducing: Enhanced performance, speed, and accuracy, Forgot password feature, Change password Feature, Live chat, individual and organization search history, Easy access to DUD Cheque portal and many more… Migrate from our Classic Portal to the new BETA enquiry portal today.

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

Learn More

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.


We are pleased to inform you that FirstCentral Credit Bureau Limited held its informative webinar themed: “Harnessing The Benefits Of Cashless Policy On Credit Allocation In A Developing Nation” on the 13th of April, 2023. Click the button below to watch replay.

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



  • Tinubu Approves Take-Off of N100bn Consumer Credit for Nigerians

    Amid the intensifying economic distress in Nigeria, President Bola Tinubu has authorized the launch of the N100 billion Consumer Credit Scheme for Nigerians. The President’s spokesperson, Ajuri Ngelale, announced this information in a statement on Wednesday. It was stated that prospective Nigerians are urged to visit the Nigerian Consumer Credit Corporation’s website prior to May 15, 2024. Given the worsening economic conditions in Nigeria, President Bola Tinubu has authorized the implementation of the N100 billion Consumer Credit Scheme for the nation’s citizens. The President’s spokesperson, Ajuri Ngelale, announced this information in a statement on Wednesday. It was stated that prospective […]
  • National Assembly Passes Student Loan Bill, Proposes Jail For Defaulters.

    The National Assembly, on 20th March, passed the Student Loans (Access to Higher Education) Act (Repeal and Re-Enactment) Bill, 2024. This occurs subsequent to distinct deliberations conducted by the Senate and the House of Representatives regarding the Committee on Tertiary Institutions report and TETFund. In a letter to the Senate, President Bola Tinubu requested the repeal of the current law and introduced a new bill for enactment. This appeal was made one day following the declaration of a provisional halt to the implementation of the student loan program, which had been designed to grant tertiary institution students interest-free loans for […]
  • President Tinubu Set To Launch Students Loan Scheme, Application App Ready.

    In accordance with his campaign pledge, President Bola Tinubu is scheduled to inaugurate the Students Loan Scheme this week, barring any unforeseen circumstances. The government-engaged IT specialists have concluded testing on the student loan application, which is now operational. It is worth noting that the Access to Higher Education Act, 2023, was ratified by President Tinubu on June 12, 2023. This legislation grants interest-free financing to economically disadvantaged students who wish to pursue higher education at any Nigerian tertiary institution. The action was taken to “fulfill one of his campaign promises to liberalize education funding,” according to a member of […]
  • CBN Suspends New Loan Applications Under the Development Finance Intervention

    According to a memo issued by Access Bank Plc to its customers on Monday, the Central Bank of Nigeria (CBN) has halted new loan applications under the CBN development finance intervention funds programme. Among the existing development finance intervention funds programs of the CBN are the Real Sector Support Fund (RSSF), Nigeria Incentive-Based Risk Sharing System for Agricultural Lending (NIRSAL), Accelerated Agricultural Development Scheme (AADS), Anchor Borrowers Program (ABP), and Agri-Business/SME Investment Scheme (AGSMEIS). Access Bank issued the following statement on Monday, in addition to announcing the program’s suspension: All prevailing CBN development finance intervention funds, which bear approved interest […]
  • Nigeria Approves $3.5bn Loan for Education and Power

    Upon receiving approval from the Nigerian government, a $3.45 billion loan has been authorized for financing critical power sector initiatives, as well as an education and resource mobilization initiative. Although the initiative is intended to stimulate progress within the nation, it has engendered apprehensions regarding the escalating national debt crisis. Minister of Finance and Coordinating Minister of the Economy Wale Edun made the announcement during a press briefing that followed a Federal Executive Council (FEC) meeting on Monday at the Presidential Villa’s Council Chambers in Abuja, presided over by President Bola Tinubu. Edun disclosed that the loans would be characterized […]
  • We’re Yet To Recover N243m Loan Disbursed To Nigerian Farmers Since 2011 – BOA

    The Bank of Agriculture, BOA, asserts that it is diligently working to recover the N243 million loan extended to 150 Kwara debtors between 2011 and 2024. In an interview with the News Agency of Nigeria on Monday in Ilorin, BOA Ilorin Branch Manager Dele Aderibigbe revealed this information. According to him, the warehouse loan is classified as bad debt but is still being monitored for recovery. The BOA manager stated that the bank was already in discussions with telecommunications companies and other parties that could facilitate the tracing of debtors. “The loan is intended to be a revolving loan that […]

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