Many Nigerians want to clear their loans, fix their credit history, and finally get their BVN off the blacklist. Yet, the biggest struggle is finding the right lender bank details and knowing the correct steps to make repayments the right way. This process can feel confusing, but it becomes much easier once you understand what to do and the tools available to help you.
Why Paying Off Old Loans Matters
Your unpaid loans stay on your credit report until your lender updates them.
Therefore, they continue affecting your credit score, loan approvals, and even job opportunities.
So, clearing these debts and ensuring they are properly updated is the fastest way to rebuild your financial reputation.
Step 1: Get Your Credit Report First
Before you pay anything, you need to see the full picture. PebbleScore helps you access your credit report from all major bureaus.
This shows you every outstanding loan and helps you confirm what is truly unpaid.
Step 2: Find Your Lender’s Bank Details
If you don’t remember the bank details for older loans, try these methods:
Method 1: Check Your Email and SMS
Search for old loan receipts, reminders, or account details.
Method 2: Call Your Lender
Provide your required details and ask for their official repayment account.
Method 3: Visit a Branch
Go with your valid ID and request a loan statement.
Step 3: Pay Your Loans Directly Through PebbleScore
Once you confirm the loan, you can pay the balance through PebbleScore.
Here’s how:
• Identify the outstanding loan in your report.
• Enter your lender’s bank details.
• Select the official bank name.
• Pay securely through the app.
This reduces errors, removes delays, and makes the process stress-free.
Step 4: PebbleScore Automatically Updates Your Records
After your payment is confirmed, PebbleScore works with the lenders and bureaus to update your credit file. If interest fees are still outstanding and unpaid, we inform you because sometimes lenders do not report these interest fees on your credit report. Once you clear those as well, we make sure your BVN is updated.
This is important because many Nigerians repay loans but still appear as “owing” because of hidden interest fees.
Step 5: Your BVN Gets Cleared
Once your records are corrected, your BVN begins to clear from blacklist issues.
This improves your score, restores your financial identity, and makes lenders trust you again.
The Result
Paying off your loans through PebbleScore saves you time.
It also helps you avoid errors, missing updates, and unnecessary stress.
Most importantly, it opens the door to better loan access and lower interest rates.