You have financial goals, we have

credit bureau Nigeria

trusted credit insights.

With over 20 years of experience, FirstCentral Credit Bureau offers comprehensive credit insights that empower businesses and individuals to make informed, confident financial decisions, fostering growth and stability.

Turn ambitions into achievements with

tailored credit solutions

We provide businesses and individuals with accurate credit reports, risk assessment tools, and debt management solutions, all designed to support informed financial decisions and long-term growth.

FirstCentral Credit Bureau – Credit Reporting in Nigeria

just for you!

Your future is bright. Let our

Insights

Your future is full of possibilities, and we are here to help you navigate the path to success. With our trusted credit insights, we empower you to make informed financial decisions and build a secure foundation for lasting growth.

guide the

Credit score in nigeria

credit

way.

Download

App

Stay connected with FirstCentral Credit Bureau anytime, anywhere. Download our app for exclusive offers, personalized experiences, and easy access to everything we offer.

First Central mobile app

Our

FirstCentral mobile App Google Play Download on the App Store

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.

Fraud alert

Introducing FirstCentral F-ALERT

Why Choose FirstCentral Credit Bureau?

Empowering financial decisions with unmatched expertise since 2005.

Nigeria’s leading credit bureau with over 20 years of experience.

Trusted by businesses and individuals for accurate credit insights.

ISO-certified, ensuring data security and privacy.

Partnered with over 3000 individuals and financial institutions.

FirstCentral Credit Bureau is Nigeria’s First and Truly Independent Credit Intelligence Firm.

Get a Free Credit Score

NICOCred Score

Gain access to your credit score for free! This exclusive offer is available for a single use. For continued access at no expense, download the FirstCentral Mobile apps on Google Playstore and the App Store
 

The company was incorporated as XDS Solutions Limited in May, 2005 with RC. No 623894 and having satisfied the conditions for the grant of a credit bureau license under the Central Bank of Nigeria Act, No. 7 of 2007, was granted final operating license on the 28th of May 2009 to operate a credit bureau in Nigeria.

FIRSTCENTRAL CREDIT BUREAU LIMITED is part of an emerging global brand that is committed to designing and deploying solutions that turn data into strategic tools for information and risk management.

At inception FirstCentral leveraged on the technical partnership of Xpert Decision Systems (XDS) Pty Limited of South Africa, with established credit bureau operations in South Africa, Ghana, Malawi, United Arab Emirates and Australia.

In furtherance of its commitment to provide the country with independent and credible credit information reporting services, FirstCentral entrenched the policy not to allow any financial institution own equity or participate in the management of the company. This makes FirstCentral Nigeria’s only independent credit bureau.

Explore Our Credit Report Solutions

Find the best Credit Report Solution Just for You

Commercial Basic Report

Accurately assessing both customers

Dud Cheque Report

The FirstCentral Credit Bureau Dishonored Cheque Report (FirstCentral DCR) enables your organization to verify the current/past status

Directorship Detailed Report

Demographic and a snap shot of the financial information of directors of companies.

Commercial Detailed Report

This contains a detailed report on the company/individual with demographic total credit history

Quarterly Portfolio Report

The FirstCentral Credit Bureau Portfolio Review is a monthly or quarterly bulk report showing a complete picture of your existing customers’ financial situation.

Batch Report

Demographic and a snap shot of the financial information of directors of companies.

Edit Content

X-Score Consumer Detailed Report

Using specially developed analytic tools, the records of credit active individuals are aggregated and made available.

Dud Cheque Report

The FirstCentral Credit Bureau Dishonored Cheque Report (FirstCentral DCR) enables your organization to verify the current/past status

Consumer Trace Report

This report contains the individual salient demographic details, which could be used to trace and authenticate identity details.

Consumer Detailed Report

This contains a detailed report on the company/individual with demographic total credit history

Snap Check

The FirstCentral Credit Bureau snapcheck report allow you to build the level of identity verification you need, speed up customer enrollment whilst pinpointing fraud more accurately.

Consumer Basic Report

Accurately assessing both customers’ affordability and suitability are essential requirements for all lenders

Edit Content

Commercial Detailed Report

This contains a detailed report on the company/individual with demographic total credit history

Commercial Basic Report

Accurately assessing both customers

Directorship Detailed Report

Demographic and a snap shot of the financial information of directors of companies.

Directorship Basic Report

Our Directorship Basic Report provides essential insights into an individual’s corporate affiliations.

Dud Cheque Report

The FirstCentral Credit Bureau Dishonored Cheque Report (FirstCentral DCR) enables your organization to…

FirstCentral Credit Mobile App

Download

Our App

Stay connected with FirstCentral Credit Bureau anytime, anywhere. Download our app for exclusive offers, personalized experiences, and easy access to everything we offer.

Innovative Solutions for Credit Management

Nigeria’s First and Truly Independent Credit Intelligence Firm

Deji Peters

Celebrating 2 decades of delivering trusted credit insights.

As we celebrate 20 years, I want to thank our clients, partners, and team for making this journey possible. For two decades, we’ve remained dedicated to delivering reliable credit insights that empower better decisions. Here’s to many more years of excellence and trust.

As we celebrate 20 years, I want to thank our clients, partners, and team for making this journey possible. For two decades, we’ve remained dedicated to delivering reliable credit insights that empower better decisions. Here’s to many more years of excellence and trust.

Deji Peters

-MD/CEO

What Our Clients 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.

Odogwu

Business Owner

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.

Seun

Business Owner

Access your FREE FirstCentral Credit Score

You are entitled to one free credit report every month!

Get a Free Credit Score

NICOCred Score

Gain access to your credit score for free! This exclusive offer is available for a single use. For continued access at no expense, download the FirstCentral Mobile apps on Google Playstore and the App Store
 

Stay Informed with
FirstCentral Blog

Our expertise has enabled several individuals and financial institutions to make sound credit choices.

Jan 11, 2024

Experts Explain Gains Of Cashless Policy At FirstCentral’s Webinar

In the recent webinar organised by FirstCentral Credit Bureau – Experts from financial sector, mostly Fintec…

  • January 23, 2026

How FirstCentral Credit Bureau Empowers Your Financial Future in Nigeria

How FirstCentral Credit Bureau Empowers Your Financial Future in Nigeria​ Search Categories Business (3) Client (5)...

Read More
Oladimeji Peters
  • July 13, 2025

Leveraging Credit Bureau Act will make …

Leveraging Credit Bureau Act will make credit data possible – Expert Search Categories Business (3)...

Read More
Oladimeji peters
  • July 13, 2025

Oladimeji Peters: ….

Oladimeji Peters: “FirstCentral Credit Bureau is on a mission to professionally manage an independent...

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Contact Us

We’d Love to Hear from You

+ 234 817 837 7643

+ 234 909 114 1981

+ 234 201 515 2730

info@firstcentralcreditbureau.com

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