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Credit Check enables businesses, especially those in the financial services and lending sectors, to evaluate the creditworthiness of individuals with speed and accuracy. The tool offers a centralized dashboard where businesses can initiate and manage credit assessments, view detailed credit insights, and access supporting KYC data. Through a seamless process, users can start a credit check by entering a customer’s BVN or by generating a secure, shareable link that allows customers to submit their own details. This flexibility ensures that businesses can adapt to various onboarding and assessment workflows.

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Features

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Credit Summary

Quickly access a consolidated snapshot of an individual’s credit history using their BVN. The summary includes outstanding loans, repayment behaviour, loan statuses, and overall credit exposure, helping businesses assess financial responsibility at a glance.

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Credit Score

View a standardized credit score accompanied by a detailed report on loan performance, repayment history, and borrowing patterns. This data is essential for lenders, credit bureaus, and financial institutions making approval or risk-based decisions.

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Behavioral Analysis

Gain deeper insights into a customer’s financial habits through the analysis of their bank account statements. This module evaluates income consistency, spending behaviour, savings trends, and overall financial health, supporting holistic risk assessment, customer segmentation, and profiling strategies.