About Us
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.
Professionally manage an independent world class credit bureau.
Develop and maintain a passionate, highly motivated human capital base.
Provide innovative and affordable information and risk management solutions.
To be the best, preferred and trusted credit and information reporting agency in Nigeria.
Integrity
Dignity of individual
Good corporate governance
Team Work
Excellence in service delivery
With 20+ years of expertise, we deliver trusted credit insights and financial solutions. Our 99% accuracy, advanced analytics, and personalized support empower confident financial decisions.
Leading Credit Bureau
FIRSTCENTRAL CREDIT BUREAU LIMITED is Nigeria’s first and only independent credit bureau.
No. 1 Credit Bureau in Nigeria
Ranked as the Number 1 credit bureau in Nigeria, with the
largest subscriber base; in addition to having the widest coverage and fast growing representation in some Africans countries.
Customer-Focused
FIRSTCENTRAL CREDIT BUREAU LIMITED takes satisfaction in delivering a customer-centric service delivery platform including a robust Dispute Resolution Unit.
Effortless Access
Efficient, user friendly portal and easy to interpret reports with innovative, value adding services at affordable prices.
World-Class Technology
FIRSTCENTRAL CREDIT BUREAU LIMITED Leverages tested and world-class technological processes to deliver value to all its customers.
Trusted by Thousands
Over 3,000 subscribers across Nigeria from commercial banks, discount houses, mortgage institutions, leasing companies to retailers with a database of over 1 billion records.
Pioneering Excellence in Credit Reporting Since Inception
2005
FirstCentral Credit Bureau Limited was incorporated in May 2005.
2009
FirstCentral Officially Granted License to Operate In Nigeria.
2010
FirstCentral Moved into Microfinance Banking/Credit Bureau services.
Best Customer Care Awards (Diamond) 2023
Best Customer Service CEO of the year 2024
Key Driver of Financial Inclusion 2024
Africa’s Most Reliable Credit Reporting Agency of the year 2023
Africa’s Best Credit Bureau Services Brand of the Year 2023
Best Customer Care Award (Gold) 2023
Bracing for Tomorrow
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