If you’ve ever wondered what your credit score is or how to check it for free in Nigeria, you’re in the right place! Many Nigerians don’t realize a good score opens doors to loans, jobs and investments. This blog is designed to guide you. It will explain how credit scores work, how you can check yours for free, and how a platform like PebbleScore gives you your first report from a major credit bureau at no extra cost.
Why your credit score matters
Your credit score is like your financial reputation. Lenders and even some employers use it to decide whether you qualify for a loan or job. A low score may mean higher interest, stricter terms, or rejection. A strong score gives you better chances. For help and tips, see Top credit FAQs in Nigeria: Simple answers to common questions.
How to check your credit score free in Nigeria
You can check your credit report and score via Pebblescore. Here’s how:
- Download the PebbleScore app from the PlayStore or AppStore.
- Register and verify your identity.
- Your first report from First Central is free as a new user.
- View your credit score and report instantly.
What to check in your credit report
- Your name and BVN must be correct.
- List of loans and repayments, make sure they are accurate.
- Any unauthorized loans? If yes, you may have to How to protect your BVN from loan fraud in Nigeria
- Your account statuses closed? On-time? Defaulted?
Understanding this helps you raise disputes quickly and fix errors.
How PebbleScore helps you beyond just checking
PebbleScore isn’t just about checking reports. With your free report you also get:
- A clear summary of your credit history in simple language.
- Guidance on how to fix bad records: raising disputes, contacting lenders, updating paid-off loans.
You can begin your credit-repair journey with the free report.
What Your Credit Score Numbers Actually Mean in Nigeria.
• 750‑900: Excellent – banks and lending institutions are very impressed.
• 650‑749: Good – approvals come easy.
• 550‑649: Fair – you’ll pay more interest.
• 350‑549: Poor – rejections ahead.
• 200‑349: Very poor.
Steps to improve your score after checking
- Pay all active loans on time.
- Avoid applying for multiple loans at once. See The hidden cost of too many loan applications in Nigeria
- Keep old accounts that are in good standing rather than closing them early.
- Dispute errors as soon as you see them.
- Monitor your report monthly through PebbleScore.
Checking your credit score free in Nigeria is simpler than most people think and it’s a smart first step toward financial freedom. The free report offered by PebbleScore gives you a reliable start. Once you know your score and history, you can fix mistakes, borrow smarter and build trust with lenders. Your financial future deserves that clarity.
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