Articles
Credit bureaus in Nigeria and how to choose your call order
See which bureau requirements apply to your lending, how to handle missing or conflicting reports, and how to compare call orders on your own applicants.
Credit bureaus in Ghana and when to search another
A bureau search can return no file, even though Ghana’s credit reporting system has three licensed bureaus. Decide when to call another source before treating an applicant as new to credit.
South African credit bureaus and how to choose which to call
Decide whether one bureau gives you the data your affordability decisions need, or whether to compare more than one. Then set a calling order that earns its cost on your own applicants.
Credit bureaus in India and which reports to call
Understand which CIC reports your appraisal can use, what to do when one has no history, and how to compare calling orders on your own applicants.
Credit bureaus in Indonesia and choosing a source call order
Your applicant’s credit information may sit in OJK’s SLIK registry, private bureaus and, for P2P lending, the industry’s Fintech Data Center. P2P rules count exposure across creditors and platforms, so which sources should you call, and in what order?
Ghana Card checks and XDS reports for credit decisions
Set the order for Ghana Card, bureau and address checks, and decide what to do when a search returns no credit history. See how to handle differing bureau results and use alternative data as a separate input.
Choosing a credit bureau in Morocco and when to call both
Bank Al-Maghrib sends Morocco’s bank credit data to two bureau delegates, and banks must consult one before lending. If both receive the same file, when is one report enough?
Choosing a credit reference bureau in Kenya
Choose which Kenyan CRBs to use by understanding the shared reporting rule, comparing bureau scores on your applicants, and deciding when a second call is worth its cost.
Tanzania credit reference bureaus and when to use one or both
Decide when a second bureau search is worth its cost for your applicants, and what you need in place before you run it.
WAEMU credit bureau reports: how to assess an empty report
Learn what an empty BIC report can tell you, how to cross-check it, and what to record before deciding.