How to Check Every Loan Reported Under Your Name in Nigeria
Before taking another loan, learn how to check the credit facilities reported under your name and confirm whether a loan app is properly registered. A credit report can show reporting lenders, outstanding balances, overdue amounts, cleared facilities and recent searches on your profile. This guide explains the difference between checking a lender’s licence and checking a loan record. It also covers Nigeria’s three credit bureaus, how to request a free report where available, and how to read key sections such as overdue balances, non-performing facilities and credit inquiries. It also outlines how to verify digital lenders through the FCCPC register or CBN licensing records, recognise red flags such as contact-list access and hidden charges, and report harassment or incorrect credit records. A missing loan record does not automatically mean a debt no longer exists, so confirm the facts before taking action. Use only official bureau and regulator channels. Do not share your bank PIN, card details or one-time passwords, and be cautious of anyone offering to remove accurate credit records for a fee.
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