Best App to Check Credit Score in Nigeria (Step-by-Step with Carbon)

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Are you wondering if you have a good or bad credit score in Nigeria? Are you looking for an app to check credit score in Nigeria or ways to check your credit score without any stress? In this post, you’ll learn how to check your credit score using the Carbon App—one of the most trusted loan and financial apps in Nigeria.

This guide is based on my experience. I will share how I used Carbon to check my credit status easily. Whether you’re just curious or preparing to apply for a loan, this method is fast and beginner-friendly.

What is a Credit Score and Why Does It Matter?

A credit score is a number that shows how trustworthy you are when it comes to borrowing money and repaying loans. In Nigeria, this score is used by loan apps, banks, and financial institutions to decide whether to approve your loan applications.

If your score is high (good), you’re more likely to get loans quickly and with better terms. If it’s low (bad), your chances drop significantly.

Best App to Check Credit Score in Nigeria: Carbon App

Carbon (formerly Paylater) is a popular loan and financial services app in Nigeria. Apart from offering loans, it also allows users to check their credit score for free.

Here’s how to check your credit score for free using the Carbon loan app: Follow this step-by-step on how to check your credit score on Carbon.

Step 1: Download the Carbon App

Go to your App Store (Google Play Store or Apple Store)
Search for “Carbon Loan App”
Download and install the app

Step 2: Create an Account

Sign up with your email address and phone number
No need to enter your BVN or NIN if you’re just checking your credit score
However, if you plan to apply for a loan, you’ll be required to verify with your BVN, NIN, and proof of address

Step 3: Log In and Access Your Dashboard

Once your account is set up, simply log in and go to your main dashboard.

Step 4: View Your Credit Report

Click on the “Account” tab
Then select “Credit Report”
Wait for the report to load

You’ll now see your credit score and history, including any late payments or defaults.

Credit Score Boards in Nigeria

There are two main credit bureaus in Nigeria:

CRC Credit Bureau
First Central Credit Bureau

Carbon gives you access to reports from both boards. You’ll be able to see:

Your credit score percentage
Any loans reported
Your repayment status

In my case, my score was 100% perfect when I checked. Since I have cleared my loan, my score has returned to normal.

Why Use Carbon to Check Credit Score?

Free and easy to use
No need for BVN unless you want to apply for a loan
Shows reports from both major Nigerian credit bureaus
Helps you stay on top of your credit health

Final Thoughts

Knowing your credit score is essential, especially if you’re using loan apps or planning to borrow from banks. With the Carbon App, you will be able to check your credit score in Nigeria for free, which has never been easier.

Download Carbon, check your credit score, and stay financially informed!

FAQs

Can I check my credit score without BVN?

Yes, on the Carbon App, you can check your credit score using just your email and phone number.

Is Carbon safe to use?

Yes, Carbon is a licensed financial services provider in Nigeria and is widely used for loans, bill payments, and credit checks.

How often should I check my credit score?

You can check it every few months to ensure everything is accurate and up to date.

What is a good credit score in Nigeria?

Generally, a high score (closer to 100%) indicates good credit health.

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