Stephen Kumi
233 201 234 567
Registered GhanaPost GPS: GA098
J.H. Cobbina Street
Accra, Greater Accra
Kaneshie
GA211
Ecowas identity Card
CARTE D’IDENTITE CEDEA0/BILHETE DE IDENTIDADE CEDEAO
Republic of Ghana
Surname/Nom
Doe
Firstnames/Prenoms
Jane
Nationality/Nationalites
Ghanaian
Sex/Sexe
Female
Date of Birth/Date de Naissance
10/10/1999
Personal ID Number
GHA-0123456778-0
Height/Talle(m)
1.56
Document Number/Numero du document
AU2763815
Date of Issuance/Date d’emission
10/10/2019
This is NOT a digital version of your Ghana Card. It is only a representation of your Ghana Card data as supplied by the National Identification Authority
Date of Birth
18th March 1990
Birth Certificate
050110-11277-2013
Place of Birth
Adum
Birth Town
N/A
Ghana Card
GHA-5678901234-3
SSNIT
D0379110800371
Nationality
Ghanaian
Marital Status
Single
Contact Details
055 098 7654
Other Number
0243123456
0243123456
0243123456
0243123456
Telco
MTN
Estimated Credit Limit
GHS 250,000.00
This is the maximum estimated amount of money you can borrow based on your credit score.
Credit Utilisation
Excellent
Utilised
5%
Safe Limit
GHS 1,250,000.00
Credit Utilisation History
Track how your credit usage has changed over time to better manage your credit health
Safe Limit
The amount of credit you can use without going into a risky or high usage zone. Staying within this limit helps you avoid penalties and keep your credit score healthy.
Utilization Rate
The percentage of your credit limit that you’ve used. For instance, if your credit limit is GHS1,000 and you’ve used GHS300, your utilization rate is 30%. It’s good to keep this rate low, ideally below 30%, to maintain a good credit score.
| Score | Rating | Description |
|---|---|---|
| Below 25% | Excellent | Convinces lending institutions that you are financially very responsible. This is the top tier, indicating a history of responsible credit management. You are seen as low-risk by lenders and qualify for the best interest rates and loan terms. |
| 26% - 35% | Very Good | Shows lenders that you are a good investment with a strong credit history and qualify for very favorable interest rates and loan terms. Lenders will consider you a reliable borrower. |
| 36% - 40% | Good | Shows lenders that you are trustworthy enough for credit and have the potential to become a great credit customer. You should be approved for most loans and credit, although you might not qualify for the absolute best rates. |
| 41% - 70% | Not Good | Shows lenders that you are a fairly good credit risk and are ready to begin building your credit history incrementally even with comparatively higher interest rate. |
| Above 71% | Poor | Shows lenders that although you are not entirely ready to take on credit, given a bit more information you will become eligible. |
Below 25%
Excellent
Convinces lending institutions that you are financially very responsible. This is the top tier, indicating a history of responsible credit management. You are seen as low-risk by lenders and qualify for the best interest rates and loan terms.
26% - 35%
Very Good
Shows lenders that you are a good investment with a strong credit history and qualify for very favorable interest rates and loan terms. Lenders will consider you a reliable borrower.
36% - 40%
Good
Shows lenders that you are trustworthy enough for credit and have the potential to become a great credit customer. You should be approved for most loans and credit, although you might not qualify for the absolute best rates.
41% - 70%
Not Good
Shows lenders that you are a fairly good credit risk and are ready to begin building your credit history incrementally even with comparatively higher interest rate.
Above 71%
Poor
Shows lenders that although you are not entirely ready to take on credit, given a bit more information you will become eligible.
Stephen Kumi
233 201 234 567
Registered GhanaPost GPS: GA098
J.H. Cobbina Street
Accra, Greater Accra
Kaneshie
GA211
REPUBLIC OF GHANA
NATIONAL IDENTITY CARD
Surname
Zainab
First Name(s)
Alidu Muhammed
Personal ID Number
GHA - 123456789 - 0
Nationality
GHANAIAN
Sex
F
Date of Birth
10/10/1990
Document Number
AC913819
Last updated on 08 August 2023 10:00AM
Your credit score is a number that shows your ability to manage and pay back credit as a citizen and/or Ghanaian
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Credit Lenders
This section shows the lenders who have given you credit and your repayment history. It includes details on whether you have made all your payments on time, missed any payments, or defaulted on any loans.
If you are seeing this, it means that you do not have any credit record from any lender.
Albrim Microfinance
50 out of 56
Payback
Credit Default
40
Missed Payments
0
Disputes
0
OmniBank
198 out of 206
Payback
Credit Default
40
Missed Payments
10
Disputes
1
Nothing Here Yet!
Start by creating your first entry to populate this space.
Credit Activities
See All| Merchant | Lender | Date Purchased | Amount Paid | Outstanding Amount | Status |
|---|---|---|---|---|---|
MTN Airtime |
Albrim Microfinance | 18th Oct, 2023 • 10:23 AM | GHS 150.00 | GHS 37.50 | Ongoing |
MTN Airtime |
Albrim Microfinance | 18th Oct, 2023 • 10:23 AM | GHS 150.00 | GHS 37.50 | Paid |
|
MTN Airtime |
Albrim Microfinance | 18th Oct, 2023 • 10:23 AM | GHS 150.00 | GHS 37.50 | Ongoing |
|
MTN Airtime |
Albrim Microfinance | 18th Oct, 2023 • 10:23 AM | GHS 150.00 | GHS 37.50 | Paid |
|
MTN Airtime |
Albrim Microfinance | 18th Oct, 2023 • 10:23 AM | GHS 150.00 | GHS 37.50 | Ongoing |
|
MTN Airtime |
Albrim Microfinance | 18th Oct, 2023 • 10:23 AM | GHS 150.00 | GHS 37.50 | Paid |
This section lists all your borrowing activities, including credit purchases, It also displays their current payment status Ongoing, paid, overdue etc . activity.
If you are seeing this, it means that you do not have any credit
Nothing Here Yet!
Start by creating your first entry to populate this space.
Retrieving your credit report.
This may take a minute
11 Duala street, East Legon
GA-335-8608
P.O.Box CT, 6362 Cantonment Accra
BOG License Number: 0003
www.mycreditscore.com.gh
Credit report for
ZAINAB ALIDU MUHAMMED (GHA-5678901234-3)
Search Details
Identifier Number
GHA-001210592-4
Mobile Number
Mobile Number
Requested By
ZAINAB ALIDU MUHAMMED
Requested Time
13th August 2024 • 12:00 AM
Borrower Identity
| Identifier | Data Value | Data Provider | Data Source | Discovery Date | Primary Identifier Hook | Status |
|---|---|---|---|---|---|---|
| Ghana Card | GHA-123456789-0 | NIA | NIA | 29-Aug-2024 | GHA-123456789-0 | Active |
| Phone Number | 0241234567 | NIA | NIA | 29-Aug-2024 | GHA-123456789-0 | Active |
| Gender | Male | NIA | NIA | 29-Aug-2024 | GHA-123456789-0 | Active |
| Date of Birth | 20-Aug-1980 | NIA | NIA | 29-Aug-2024 | GHA-123456789-0 | Active |
| Full Name | Alexander Adjei Bram | NIA | NIA | 29-Aug-2024 | GHA-123456789-0 | Active |
| [email protected] | NIA | NIA | 29-Aug-2024 | GHA-123456789-0 | Active | |
| Voter ID | 1234567890 | EC | EC | 02-Sept-2024 | 0241234567 | Active |
| Passport | G12345678 | ABSA | ABSA | 02-Sept-2024 | 0241234567 | Active |
| First Name | Alexander | ABSA | ABSA | 02-Sept-2024 | 0241234567 | Active |
| Surname | Bram | ABSA | ABSA | 02-Sept-2024 | 0241234567 | Active |
Borrower Identity
Identifier
Ghana Card
Data Value
GHA-123456789-0
Data Provider
NIA
Data Source
NIA
Discovery Date
29th August 2024
Primary Identifier Hook
GHA-123456789-0
Status
Active
Identifier
Ghana Card
Data Value
GHA-123456789-0
Data Provider
NIA
Data Source
NIA
Discovery Date
29th August 2024
Primary Identifier Hook
GHA-123456789-0
Status
Active
Identifier
Ghana Card
Data Value
GHA-123456789-0
Data Provider
NIA
Data Source
NIA
Discovery Date
29th August 2024
Primary Identifier Hook
GHA-123456789-0
Status
Active
Identifier
Ghana Card
Data Value
GHA-123456789-0
Data Provider
NIA
Data Source
NIA
Discovery Date
29th August 2024
Primary Identifier Hook
GHA-123456789-0
Status
Active
Identifier
Ghana Card
Data Value
GHA-123456789-0
Data Provider
NIA
Data Source
NIA
Discovery Date
29th August 2024
Primary Identifier Hook
GHA-123456789-0
Status
Active
Section A: demographic data
Demographic Details
This section displays the consumer's demographic information
Other Number(s)
0243123456
0243123456
0243123456
0243123456
0243123456
0243123456
-0243123456
-0243123456
-0243123456
-0243123456
Telco
MTN
Marital Status
Single
Place of Birth
Adum
Birth Certificate
050110-11277-2013
Birth Town
N/A
Occupation
UX Designer
Community
N/A
Residence Town
N/A
Credit Score
This section displays a numerical value of a consumer's credit worthiness
Computed Credit Score
Last updated on 08 August 2023 10:00AM
Actual Score
624
Fair
-500
850
Last updated on 08 August 2023 10:00AM
| Score | Rating | Description |
|---|---|---|
| 800 - 850 | Excellent | Convinces lending institutions that you are financially very responsible. This is the top tier, indicating a history of responsible credit management. You are seen as low-risk by lenders and qualify for the best interest rates and loan terms. |
| 671 - 799 | Very Good | Shows lenders that you are a good investment with a strong credit history and qualify for very favorable interest rates and loan terms. Lenders will consider you a reliable borrower. |
| 541 - 670 | Good | Shows lenders that you are trustworthy enough for credit and have the potential to become a great credit customer. You should be approved for most loans and credit, although you might not qualify for the absolute best rates. |
| 401 - 540 | Fair | Shows lenders that you are a fairly good credit risk and are ready to begin building your credit history incrementally even with comparatively higher interest rate. |
| 351 - 400 | Promising | Shows lenders that although you are not entirely ready to take on credit, given a bit more information you will become eligible. |
| 300 - 350 | Not Good | Shows lenders that you are not entirely ready to take on credit as there is not enough data on you, or you may have a record of past problems with managing credit. |
| < 300 | Bad (or Junk) | You are simply not credit worthy. Lenders are likely not to extend credit to you as you have a confirmed history of defaults and/or missed payments. |
800 - 850
Excellent
Convinces lending institutions that you are financially very responsible. This is the top tier, indicating a history of responsible credit management. You are seen as low-risk by lenders and qualify for the best interest rates and loan terms.
671 - 799
Very Good
Shows lenders that you are a good investment with a strong credit history and qualify for very favorable interest rates and loan terms. Lenders will consider you a reliable borrower.
541 - 670
Good
This category could encompass professionals like doctors, engineers, managers, and entrepreneurs with a comfortable standard of living. Their monthly income might range from GHS 5,000 to GHS 10,000.
401 - 540
Fair
Shows lenders that you are a fairly good credit risk and are ready to begin building your credit history incrementally even with comparatively higher interest rate.
351 - 400
Promising
Shows lenders that although you are not entirely ready to take on credit, given a bit more information you will become eligible.
300 - 350
Not Good
Shows lenders that you are not entirely ready to take on credit as there is not enough data on you, or you may have a record of past problems with managing credit.
< 300
Bad (or Junk)
You are simply not credit worthy. Lenders are likely not to extend credit to you as you have a confirmed history of defaults and/or missed payments.
Credit Score Trend
This section displays the trend in a consumer's credit score
Nothing Here Yet!
Section B: Credit Profile
Credit Profile Summary
This section displays a summary of all aggregated credit and loan information.
| GHS | USD | GBP | EUR | OTHERS | |
|---|---|---|---|---|---|
| Total Number Of Accounts | 4 | 0 | 0 | 0 | 0 |
| Total Number of Active Accounts | 4 | 0 | 0 | 0 | 0 |
| Total Number of Closed Accounts | 4 | 0 | 0 | 0 | 0 |
| Total Monthly Installment | 12,123.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Outstanding Debt | 42,123.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Number of Accounts in Arrears | 0 | 0 | 0 | 0 | 0 |
| Total Arrear Amount | 42,123.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Number of Accounts in Good Standing | 4 | 0 | 0 | 0 | 0 |
| Total Number of Judgements | 0 | 0 | 0 | 0 | 0 |
| Total Judgement Amount | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Date of Last Judgement | |||||
| Total Number of Dishonoured Cheques | 2 | 0 | 0 | 0 | 0 |
| Total Amount of Dishonoured Cheques | 42,123.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Date of Last Bounced Cheque | 2022/06/14 |
GHS
Total Number Of Accounts
4
Total Number of Active Accounts
4
Total Number of Closed Accounts
0
Total Monthly Installment
12,123.00
Total Outstanding Debt
42,123.00
Total Number of Accounts in Arrears
1
Total Arrear Amount
14,454.00
Total Number of Accounts in Good Standing
4
Total Number of Judgements
0
Total Judgement Amount
0.00
Date of Last Judgement
Total Number of Dishonoured Cheques
2
Total Amount of Dishonoured Cheques
42,123.00
Date of Last Bounced Cheque
2022/06/14
USD
Total Number Of Accounts
0
Total Number of Active Accounts
0
Total Number of Closed Accounts
0
Total Monthly Installment
0.00
Total Outstanding Debt
0.00
Total Number of Accounts in Arrears
0
Total Arrear Amount
0.00
Total Number of Accounts in Good Standing
0
Total Number of Judgements
0
Total Judgement Amount
0.00
Date of Last Judgement
Total Number of Dishonoured Cheques
0
Total Amount of Dishonoured Cheques
0.00
Date of Last Bounced Cheque
GBP
Total Number Of Accounts
0
Total Number of Active Accounts
0
Total Number of Closed Accounts
0
Total Monthly Installment
0.00
Total Outstanding Debt
0.00
Total Number of Accounts in Arrears
0
Total Arrear Amount
0.00
Total Number of Accounts in Good Standing
0
Total Number of Judgements
0
Total Judgement Amount
0.00
Date of Last Judgement
Total Number of Dishonoured Cheques
0
Total Amount of Dishonoured Cheques
0.00
Date of Last Bounced Cheque
EUR
Total Number Of Accounts
0
Total Number of Active Accounts
0
Total Number of Closed Accounts
0
Total Monthly Installment
0.00
Total Outstanding Debt
0.00
Total Number of Accounts in Arrears
0
Total Arrear Amount
0.00
Total Number of Accounts in Good Standing
0
Total Number of Judgements
0
Total Judgement Amount
0.00
Date of Last Judgement
Total Number of Dishonoured Cheques
0
Total Amount of Dishonoured Cheques
0.00
Date of Last Bounced Cheque
OTHERS
Total Number Of Accounts
0
Total Number of Active Accounts
0
Total Number of Closed Accounts
0
Total Monthly Installment
0.00
Total Outstanding Debt
0.00
Total Number of Accounts in Arrears
0
Total Arrear Amount
0.00
Total Number of Accounts in Good Standing
0
Total Number of Judgements
0
Total Judgement Amount
0.00
Date of Last Judgement
Total Number of Dishonoured Cheques
0
Total Amount of Dishonoured Cheques
0.00
Date of Last Bounced Cheque
Bank / Non-Bank Loans
This section displays detailed credit information of a consumer
Ecobank
Account no
2873912
Faclitiy Type
Term Loan
Purpose of facility
Not Reported
Reported Date
11th August 2024
Main Details
Account Status Date
2nd May, 2024
Term of Facility (Months)
1
Ownership Indicator
Sole
Asset Classification
Invalid Reporting
Current Balance
0
Current Balance Indicator
Credit
Collateralised Indicator
No
Account Status
B
Legal Flag
No
Credit Limit
GHS 100,000.00
Type of Security
Land
Nature of Charge
Fixed
Latest Value of Security
GHS 1,231,231.00
Special Comments Code
GPaid by Co maker
Reference Number of Security
1273191287
Deferred Payment Start Date
2nd May, 2024
Disbursement Details
Disbursement Amount
GHS 405.00
Acc Open/Disbursement Date
2nd May, 2024
Schedule installment Amount
GHS 35.00
Last Payment Date
5th Feb, 2024
Date restructured
12th Nov, 2024
Reason for Restructure
Loss of Job
Maturity Date
2nd May, 2024
Currency
Ghana Cedi
Reason for Written Off
Death
Amount Written Off
GHS 123.00
Repayment Details
Repayment Frequency
Monthly
Amount Overdue
GHS 120.00
Amount in Arrears
GHS 50,00.00
No. of Days in Arrears
12
Actual/Last Payment Amount
GHS 433.00
Facility Closed Date
31-May-2022
Reason for Closure
End of Credit Facility Tenure
Last Payment Date
12th May, 2024
Arrears Start Date
12th June, 2024
Next Instalment Payment Due
12th June, 2024
Guarantor Details
Nature of Guarantor
No Guarantor
Name Of Commercial Guarantor
Hubtel Limited
Business Registration Number of Commercial Guarantor
CS360712014
Number of Times Overdue
| 1-30 Days | 31-60 Days | 61-90 Days | 91-120 Days | 121-150 Days | 151-180 Days | 180+ Days |
|---|---|---|---|---|---|---|
| GHS 433.00 |
1-30 Days
---
31-60 Days
---
61-90 Days
---
91-120 Days
---
121-150 Days
---
151-180 Days
---
180+ Days
GHS 433.00
Payment History
Jan
2024
OK
Feb
2024
OK
Mar
2024
OK
Apr
2024
OK
May
2024
OK
Jun
2024
OK
July
2024
OK
Aug
2024
OK
Sep
2024
OK
Oct
2024
OK
Nov
2024
OK
Dec
2024
OK
Jan
2025
OK
Feb
2025
OK
Mar
2025
OK
Apr
2025
OK
May
2025
OK
Jun
2025
OK
July
2025
OK
Aug
2025
OK
Sep
2025
ND
Oct
2025
ND
Nov
2025
ND
Dec
2025
ND
Jan
2026
OK
Feb
2026
OK
Mar
2026
OK
Apr
2026
OK
May
2026
OK
Jun
2026
OK
July
2026
OK
Aug
2026
OK
Sep
2026
OK
Oct
2026
OK
Nov
2026
OK
Dec
2026
OK
Jan
2027
OK
Feb
2027
OK
Mar
2027
OK
Apr
2027
OK
May
2027
OK
Jun
2027
OK
July
2027
OK
Aug
2027
OK
Sep
2027
OK
Oct
2027
OK
Nov
2027
OK
Dec
2027
OK
Fido
Account no
2873912
Faclitiy Type
Term Loan
Purpose of facility
Not Reported
Reported Date
11th August 2024
Main Details
Account Status Date
2nd May, 2024
Term of Facility (Months)
1
Ownership Indicator
Sole
Asset Classification
Invalid Reporting
Current Balance
0
Current Balance Indicator
Credit
Collateralised Indicator
No
Account Status
A
Legal Flag
No
Credit Limit
GHS 100,000.00
Type of Security
Land
Nature of Charge
Fixed
Latest Value of Security
GHS 1,231,231.00
Special Comments Code
Paid by Co maker
Reference Number of Security
1273191287
Deferred Payment Start Date
2nd May, 2024
Disbursement Details
Disbursement Amount
GHS 405.00
Acc Open/Disbursement Date
2nd May, 2024
Schedule installment Amount
GHS 35.00
Last Payment Date
5th Feb, 2024
Date restructured
12th Nov, 2024
Reason for Restructure
Loss of Job
Maturity Date
2nd May, 2024
Currency
Ghana Cedi
Reason for Written Off
Death
Amount Written Off
GHS 123.00
Repayment Details
Repayment Frequency
Monthly
Amount Overdue
GHS 120.00
Amount in Arrears
GHS 50,00.00
No. of Days in Arrears
12
Actual/Last Payment Amount
GHS 433.00
Facility Closed Date
31-May-2022
Reason for Closure
End of Credit Facility Tenure
Last Payment Date
12th May, 2024
Arrears Start Date
12th June, 2024
Next Instalment Payment Due
12th June, 2024
Guarantor Details
Nature of Guarantor
No Guarantor
Name Of Commercial Guarantor
Hubtel Limited
Business Registration Number of Commercial Guarantor
CS360712014
Number of Times Overdue
| 1-30 Days | 31-60 Days | 61-90 Days | 91-120 Days | 121-150 Days | 151-180 Days | 180+ Days |
|---|---|---|---|---|---|---|
| GHS 433.00 |
1-30 Days
---
31-60 Days
---
61-90 Days
---
91-120 Days
---
121-150 Days
---
151-180 Days
---
180+ Days
GHS 433.00
Payment History
Jan
2024
OK
Feb
2024
OK
Mar
2024
OK
Apr
2024
OK
May
2024
OK
Jun
2024
OK
July
2024
OK
Aug
2024
OK
Sep
2024
OK
Oct
2024
OK
Nov
2024
OK
Dec
2024
OK
Jan
2025
OK
Feb
2025
OK
Mar
2025
OK
Apr
2025
270
May
2025
OK
Jun
2025
OK
Jul
2025
X
Aug
2025
ND
Sep
2025
ND
Oct
2025
ND
Nov
2025
ND
Dec
2025
ND
ABSA
Account no
2873912
Faclitiy Type
Term Loan
Purpose of facility
Not Reported
Reported Date
11th August 2024
Main Details
Account Status Date
2nd May, 2024
Term of Facility (Months)
1
Ownership Indicator
Sole
Asset Classification
Invalid Reporting
Current Balance
0
Current Balance Indicator
Credit
Collateralised Indicator
No
Account Status
C
Legal Flag
No
Credit Limit
GHS 100,000.00
Type of Security
Land
Nature of Charge
Fixed
Latest Value of Security
GHS 1,231,231.00
Special Comments Code
Paid by Co maker
Reference Number of Security
1273191287
Deferred Payment Start Date
2nd May, 2024
Disbursement Details
Disbursement Amount
GHS 405.00
Acc Open/Disbursement Date
2nd May, 2024
Schedule installment Amount
GHS 35.00
Last Payment Date
5th Feb, 2024
Date restructured
12th Nov, 2024
Reason for Restructure
Loss of Job
Maturity Date
2nd May, 2024
Currency
Ghana Cedi
Reason for Written Off
Death
Amount Written Off
GHS 123.00
Repayment Details
Repayment Frequency
Monthly
Amount Overdue
GHS 120.00
Amount in Arrears
GHS 50,00.00
No. of Days in Arrears
12
Actual/Last Payment Amount
GHS 433.00
Facility Closed Date
31-May-2022
Reason for Closure
End of Credit Facility Tenure
Last Payment Date
12th May, 2024
Arrears Start Date
12th June, 2024
Next Instalment Payment Due
12th June, 2024
Guarantor Details
Nature of Guarantor
Individual
Surname
Coleman
First Name
Fred
Middle Name(s)
Kojo
ID Type
Driver’s License
ID Number
EST-2367736-2332
SSNIT Number
GHA-123456789-0
Gender
Male
Date of Birth
2nd May, 1994
Address Line 1
East Legon
Address Line 2
Madina
Address Line 3
GA-086-013
Home Telephone
0301234567
Work Telephone
0302346352
Mobile Telephone
0243123456
Number of Times Overdue
| 1-30 Days | 31-60 Days | 61-90 Days | 91-120 Days | 121-150 Days | 151-180 Days | 180+ Days |
|---|---|---|---|---|---|---|
| GHS 433.00 |
1-30 Days
---
31-60 Days
---
61-90 Days
---
91-120 Days
---
121-150 Days
---
151-180 Days
---
180+ Days
GHS 433.00
Payment History
Jan
2024
OK
Feb
2024
OK
Mar
2024
OK
Apr
2024
OK
May
2024
OK
Jun
2024
OK
July
2024
OK
Aug
2024
OK
Sep
2024
OK
Oct
2024
OK
Nov
2024
OK
Dec
2024
OK
Jan
2025
OK
Feb
2025
OK
Mar
2025
OK
Apr
2025
90
May
2025
OK
Jun
2025
OK
Jul
2025
210
Aug
2025
ND
Sep
2025
ND
Oct
2025
ND
Nov
2025
ND
Dec
2025
ND
Payment Behaviour Definitions
This section displays the color status code of payment information
OK
Account up to date
120
120 Days in Arrears
270
270 Days in Arrears
30
30 Days in Arrears
180
180 Days in Arrears
270+
More than 270 Days in Arrears
60
60 Days in Arrears
210
210 Days in Arrears
X
Paid Up Default
90
90 Days in Arrears
240
240 Days in Arrears
ND
NO DATA
Account Status
This section displays the color status code of credit facility
A
Open/Active
L
Handed Over/Legal
G
Charge-off
C
Closed
N
Loan against Policy
Z
Deceased
D
Disputed
P
Paid Up
R
Restructured/Rescheduled
E
Terms Extended
T
Early Settlement
B
Approved, but not disbursed
W
Written Off
Other Debt Installment Information
This section displays other credit information of the consumer.
Merchant
MTN Airtime
Financier
Albrim Finance
Last Updated
18 August 2023
Description
Pay Small Small
Total Amount
GHS 310.00
Outstanding Amount
GHS 180
Payment History
| Date | Amount | Status |
|---|---|---|
| 18th Oct, 2023 • 10:23 AM | GHS 37.50 | Unpaid |
| 18th Oct, 2023 • 10:23 AM | GHS 37.50 | Unpaid |
| 18th Oct, 2023 • 10:23 AM | GHS 37.50 | Unpaid |
| 18th Oct, 2023 • 10:23 AM | GHS 37.50 | Unpaid |
| 18th Oct, 2023 • 10:23 AM | GHS 37.50 | Unpaid |
Payment History
12 Aug 2023
GHS 37.50
12 Aug 2023
GHS 37.50
12 Aug 2023
GHS 37.50
12 Aug 2023
GHS 37.50
Section C: dishonoured cheques
Dishonoured / Bounced Cheque Information
This section displays the consumer's bounced cheque details
Stanbic Bank • 23 August, 2023
Account Number
09484728282
Cheque Number
4494838932
Currency
GHS
Amount Rejected
7,007.00
Cheque Bounce Reason
Fraud
Date Account Opened
03 August, 2023
Date Cheque Issued
20 August, 2023
Date Cheque Bounced
20 August, 2023
Stanbic Bank • 23 August, 2023
Account Number
09484728282
Cheque Number
4494838932
Currency
GHS
Amount Rejected
7,007.00
Cheque Bounce Reason
Fraud
Date Account Opened
03 August, 2023
Date Cheque Issued
20 August, 2023
Date Cheque Bounced
20 August, 2023
Section D: Judgement debt
Judgement Debt
This section displays judgement data against the consumer's credit facilities
0948472828212 • 4 August, 2023
Case Number
09484728282
Case Type
Judgement by default
Court Name
Koforidua
Court Type
High
Case Reason
Debt Recovery
Currency
GHS (Ghana Cedi)
Amount
1,000,000.00
Case Filing Date
20 August, 2023
0948472828212 • 4 August, 2023
Case Number
09484728282
Case Type
Judgement by default
Court Name
Koforidua
Court Type
High
Case Reason
Debt Recovery
Currency
GHS (Ghana Cedi)
Amount
1,000,000.00
Case Filing Date
20 August, 2023
Section F: Socio-Economic Data
Socio-Economic Details
This sections displays the consumer's socio-economic details from National Identification Authority (NIA)
Current Address
GU-564-5765
Lante Abraham Street, Tunga
Ablekuma West District
Community
East Legon
Community Level
Level 1
Residence Town
Legon
Occupation
Doctor
Other Addresses
GU-564-5765
East Legon, Tunga
Community
N/A
Residence Town
N/A
National Health Insurance Scheme
As obtained through www.citizen.gov.gh
NHIS Number
NH02390311032
Status
Active
Start Date
18th March 2022
End Date
18th March 2022
Utility Consumption
This section displays the Electricity Consumption details connected to the consumer
Consumption Type
Prepaid
Estimated Consumption
GHS 1,210.00
District of Service
Legon
Consumption Type
Postpaid
Estimated Consumption
GHS 1,210.00
District of Service
Legon
Section G: Economic Data
Net worth
This sections displays the estimated economic value of the consumer
Ecobank
Account Name
Zainab Alidu Muhammed
Branch
Independence Avenue
Account Number
176****60***1
Account Type
Current
Currency
GHS
Estimated Net Worth
GHS 1M - GHS 2M
Address
Lante Abraham Street, Tunga
Ablekuma West District
ID Type
Passport
ID Number
0102091293
Gender
Female
Debt
GHS 20,319.91
Postal Address
P.O. Box 932 Cantonment
Customer Type
Prestige
Mobile Money
0243 123 ****
Account Status
Active
Country
Ghana
Account by Ownersship
---
Auth. Negative Balance
---
Mobile Money Accounts
This section displays the consumer's mobile money account details
MTN Mobile Money
Account Name
Zainab Alidu Muhammed
Account Number
055 123 ****
Currency
GHS
Estimated Balance
GGHS 20K - GHS 30K
MTN Mobile Money
Account Name
Zainab Alidu Muhammed
Account Number
055 123 ****
Currency
GHS
Estimated Balance
GGHS 20K - GHS 30K
SSNIT Record
This section displays the consumer's Social Security details
Add SSNIT Record
Social Security No.
C01930770050797
Date of registration
2021-01-01 00:00:00
Date of first contribution
21-01-31
First Employer
Hubtel Limited
Current Employer
Hubtel Limited
Income Record
This section displays the consumer's income details from SSNIT.
Actual Salary
GHS 30,925.67
First Contribution
GHS 30,925.67
Monthly Contributions
GHS 30,925.67
Yearly Contributions
GHS 30,925.67
Total Contributions
GHS 30,925.67
No of months of contributions for Student Loan Repayment
6
Contributions used for Payment of Student Loan
7
Best Years
This section displays the consumer's best years of SSNIT contribution
Year 1
GHS 42,796.08
Year 2
GHS 27,695.08
Year 3
GHS 24,465.08
Asset Valuation
This section displays the consumer's reported assets.
Add Land Property
Asset Type
Land
Asset Value
GHS 319,000.00
Asset Type
Land
Asset Value
GHS 319,000.00
Section H: Non Loan credit transaction
Non Loan Credit Transactions
Offers a full view of the borrower’s credit behaviour beyond bank loans, including rent, instalment payments, and financing for electronics and furniture.
Salford Estates
Address
Address: 6th Adote Obour, Accra - Ghana
Phone Number
0301234567
Bank of Ghana Lender Registration Number
27328477HHGYW7373
Date Reported
18th Oct, 2023 • 10:23 AM
Credit Amount
GHS 24,000.00
Transaction Start Date
18th Oct, 2023 • 10:23 AM
Payback Term
Monthly
Payback Amount
GHS 1,200.00
Transaction End Date
18th Oct, 2023 • 10:23 AM
Item Description
Rent Loan
Interest(If any)
20% per month
Status
Ongoing
Deals Makers Group
Address
Address: 6th Adote Obour, Accra - Ghana
Phone Number
0301234567
Bank of Ghana Lender Registration Number
27328477HHGYW7373
Date Reported
18th Oct, 2023 • 10:23 AM
Credit Amount
GHS 24,000.00
Transaction Start Date
18th Oct, 2023 • 10:23 AM
Payback Term
Monthly
Payback Amount
GHS 1,200.00
Transaction End Date
18th Oct, 2023 • 10:23 AM
Item Description
Rent Loan
Interest(If any)
20% per month
Status
Paid
Compu Ghana
Address
Address: 6th Adote Obour, Accra - Ghana
Phone Number
0301234567
Bank of Ghana Lender Registration Number
27328477HHGYW7373
Date Reported
18th Oct, 2023 • 10:23 AM
Credit Amount
GHS 24,000.00
Transaction Start Date
18th Oct, 2023 • 10:23 AM
Payback Term
Monthly
Payback Amount
GHS 1,200.00
Transaction End Date
18th Oct, 2023 • 10:23 AM
Item Description
Rent Loan
Interest(If any)
20% per month
Status
Defaulted
Section I: Lenders report
Lenders Report
Shows a report from lenders sharing their experiences with a borrower who has defaulted on a loan, informing other lenders of this behavior.
Auto Drive
Address
Address: 6th Adote Obour, Accra - Ghana
Phone Number
0301234567
Bank of Ghana Lender Registration Number
27328477HHGYW7373
Date Reported
18th Oct, 2023 • 10:23 AM
Credit Amount
GHS 24,000.00
Transaction Start Date
18th Oct, 2023 • 10:23 AM
Payback Term
Monthly
Payback Amount
GHS 1,200.00
Transaction End Date
18th Oct, 2023 • 10:23 AM
Item Description
Rent Loan
Interest(If any)
20% per month
Narration
I am reaching out to express a serious concern regarding Kwaku's recent car loan, which was processed through our institution. Unfortunately, we have been experiencing significant challenges in reaching Derrick to discuss important details related to this loan.
I kindly request your assistance in facilitating communication with Derrick or providing alternative contact information if available. Our priority is to ensure that all parties involved are informed and able to participate in necessary discussions regarding this loan.
Thank you for your attention to this matter. I look forward to your prompt response.
Deals Makers Group
Address
Address: 6th Adote Obour, Accra - Ghana
Phone Number
0301234567
Bank of Ghana Lender Registration Number
27328477HHGYW7373
Date Reported
18th Oct, 2023 • 10:23 AM
Credit Amount
GHS 24,000.00
Transaction Start Date
18th Oct, 2023 • 10:23 AM
Payback Term
Monthly
Payback Amount
GHS 1,200.00
Transaction End Date
18th Oct, 2023 • 10:23 AM
Item Description
Rent Loan
Interest(If any)
20% per month
Narration
I am reaching out to express a serious concern regarding Kwaku's recent car loan, which was processed through our institution. Unfortunately, we have been experiencing significant challenges in reaching Derrick to discuss important details related to this loan.
I kindly request your assistance in facilitating communication with Derrick or providing alternative contact information if available. Our priority is to ensure that all parties involved are informed and able to participate in necessary discussions regarding this loan.
Thank you for your attention to this matter. I look forward to your prompt response.
Section J: Credit Report Inquiries
Credit Report Inquiries
This section displays a list of organizations or credit providers who have requested the consumer's credit report.
| Date | Institution / Individual | Report Type | Staff Name |
|---|---|---|---|
| 18th Oct, 2023 • 10:23 AM | Ecobank | Comprehensive Credit Report | Derrick Afriyie |
| 18th Oct, 2023 • 10:23 AM | Ecobank | Comprehensive Credit Report | Derrick Afriyie |
| 18th Oct, 2023 • 10:23 AM | Ecobank | Comprehensive Credit Report | Derrick Afriyie |
| 18th Oct, 2023 • 10:23 AM | Ecobank | Comprehensive Credit Report | Derrick Afriyie |
| 18th Oct, 2023 • 10:23 AM | Ecobank | Comprehensive Credit Report | Derrick Afriyie |
Date
18th Oct, 2023 • 10:23 AM
Institution / Individual
Ecobank
Report Type
Comprehensive Credit Report
Staff Name
Derrick Afriyie
Date
18th Oct, 2023 • 10:23 AM
Institution / Individual
Ecobank
Report Type
Comprehensive Credit Report
Staff Name
Derrick Afriyie
Date
18th Oct, 2023 • 10:23 AM
Institution / Individual
Ecobank
Report Type
Comprehensive Credit Report
Staff Name
Derrick Afriyie
Date
18th Oct, 2023 • 10:23 AM
Institution / Individual
Ecobank
Report Type
Comprehensive Credit Report
Staff Name
Derrick Afriyie
Date
18th Oct, 2023 • 10:23 AM
Institution / Individual
Ecobank
Report Type
Comprehensive Credit Report
Staff Name
Derrick Afriyie
SECTION SUMMARY
| Sections | Description |
|---|---|
| Borrower Identity | Information used to verify the identity of the borrower, such as personal and financial identifiers (e.g., name, ID numbers). |
| A. Demographic Data | Includes basic personal details like age, gender, marital status, and nationality. |
| B. Credit Profile/Profile Summary | Overview of the borrower’s creditworthiness, including past credit activity, payment behavior, and credit score |
| C. Dishonored Cheque | Records of any bounced or dishonored cheques issued by the borrower, indicating failed transactions due to insufficient funds or other reasons. |
| D. Judgment Debt | Legal rulings requiring the borrower to pay a specific amount, often due to a legal dispute, unpaid debt, or loan default |
| E. Borrower Address History | Historical records of the borrower’s residential or business addresses used for verification or credit tracking. |
| F. Socio-Economic Data | Information about the borrower’s social and economic status, such as employment, education, and income level. |
| G. Economic Data | Macro-economic information that may impact a borrower’s financial stability |
| H. Non-loan Credit Transactions | Macro-Transactions involving credit but not linked to loans, such as rent, hire purchase agreements, or utility bill payments.economic information that may impact a borrower’s financial stability |
| I. Lender Reports | Reports submitted by lenders detailing the borrower’s credit history, performance on loans, and overall creditworthiness. |
| J. Credit Report Inquiries | Records of any inquiries made by lenders or other financial institutions to view the borrower’s credit report, usually during a loan or credit application process. |
Borrower Identity
Information used to verify the identity of the borrower, such as personal and financial identifiers (e.g., name, ID numbers).
A. Demographic Data
Includes basic personal details like age, gender, marital status, and nationality.
B. Credit Profile/Profile Summary
Overview of the borrower’s creditworthiness, including past credit activity, payment behavior, and credit score
C. Dishonored Cheque
Records of any bounced or dishonored cheques issued by the borrower, indicating failed transactions due to insufficient funds or other reasons.
D. Judgment Debt
Legal rulings requiring the borrower to pay a specific amount, often due to a legal dispute, unpaid debt, or loan default
E. Borrower Address History
Historical records of the borrower’s residential or business addresses used for verification or credit tracking.
F. Socio-Economic Data
Information about the borrower’s social and economic status, such as employment, education, and income level.
G. Economic Data
Macro-economic information that may impact a borrower’s financial stability
H. Non-loan Credit Transactions
Macro-Transactions involving credit but not linked to loans, such as rent, hire purchase agreements, or utility bill payments.economic information that may impact a borrower’s financial stability
I. Lender Reports
Reports submitted by lenders detailing the borrower’s credit history, performance on loans, and overall creditworthiness.
J. Credit Report Inquiries
Records of any inquiries made by lenders or other financial institutions to view the borrower’s credit report, usually during a loan or credit application process.
Disclaimer:
Pursuant to Section 23(a) of the Credit Reporting Act, 2007 (Act 726), the recipient of this credit report is required to keep the report confidential and shall not disclose the information contained herein to third parties.
This report is for your personal use only. Do not share it with anyone without your authorisation. The information in this report is provided "as is" and may not be completely accurate or up-to-date. We strive to ensure accuracy, but errors may occasionally occur. This report is a snapshot of your credit history at a specific point in time. Your credit score and report may change over time. We recommend reviewing your credit report regularly. This will help you monitor your credit activity and identify any potential issues.
Missed Payment
| Date | Outstanding Amount | Number of Days | Late Payment Retries | Status |
|---|---|---|---|---|
| 18th Oct, 2023 • 10:23 AM | GHS 37.50 | 6 | GHS 150.00 | Unpaid |
| 18th Oct, 2023 • 10:23 AM | GHS 37.50 | 6 | GHS 150.00 | Unpaid |
| 18th Oct, 2023 • 10:23 AM | GHS 37.50 | 6 | GHS 150.00 | Unpaid |
| 18th Oct, 2023 • 10:23 AM | GHS 37.50 | 6 | GHS 150.00 | Unpaid |
| 18th Oct, 2023 • 10:23 AM | GHS 37.50 | 6 | GHS 150.00 | Unpaid |
This section will capture details of your payments you
failed to pay back
to the Lender by the due date.
If you are seeing this, it means that you do not have any missed payment record from any lender.
Defaulted Payment
| Date | Outstanding Amount | Number of Days | Late Payment Retries | Status |
|---|---|---|---|---|
| 18th Oct, 2023 • 10:23 AM | GHS 37.50 | 6 | GHS 150.00 | Unpaid |
| 18th Oct, 2023 • 10:23 AM | GHS 37.50 | 6 | GHS 150.00 | Unpaid |
| 18th Oct, 2023 • 10:23 AM | GHS 37.50 | 6 | GHS 150.00 | Unpaid |
| 18th Oct, 2023 • 10:23 AM | GHS 37.50 | 6 | GHS 150.00 | Unpaid |
| 18th Oct, 2023 • 10:23 AM | GHS 37.50 | 6 | GHS 150.00 | Unpaid |
These are payments you missed after the due date that have still not been settled. Such payments attract late payment fees and impact your score negatively.
If you are seeing this, it means that you do not have any defaulted payment record from any lender.
Credit Usage & Purchases
Institution
Hubtel
Financier
Albrim
Last Updated
28 September 2023
Last Updated
28 September 2023
Total Amount
GHS 133.00
Outstanding Amount
GHS 2.00
Payment History
| Date | Amount | Status |
|---|---|---|
| 12 August 2023 | GHS 133.00 | Paid |
| 12 August 2023 | GHS 133.00 | Paid |
| 12 August 2023 | GHS 133.00 | Paid |
| 12 August 2023 | GHS 133.00 | Paid |
| 12 August 2023 | GHS 133.00 | Paid |
Defines individual transactions where you use your credit to buy something. Every time you use credit, that's a credit purchase.
If you are seeing this, it means that you do not have any credit usage record from any lender.
Nothing Here Yet!
Reported Activity
Ecobank
Loan Amount
GHS 24,000.00
Payback Term
Monthly
Payback Amount
GHS 1,200.00
Credit Type
Car Loan
Credit Description
Car Loan
Count of Missed
5
Count of Defaulted
3
Reported activity refers to any action or event related to your borrowing and repayment history that is submitted to credit bureaus by your creditors. These bureaus collect and maintain your credit report, which lenders use to assess your creditworthiness when you apply for new loans.
If you are seeing this, it means that you do not have any reported activity record from any lender.
Life Records
-
Source: National Identification Authority
Date: 27th November 2010
GHA - 0123456789 - 0
Born in 1980
Birth Date: 7 June
Father: John Dogo
Mother: Sandra Dogo
Details
Full Name
Johnathan Doe
Date of Birth
February 27, 1991
Documents
AC1324281
Father
John Kwabena Doe
Mother
Hannah Akosua Doe
Details
Course
General Science
Start Date
August 16, 2006
End Date
May 20, 2009
Details
Role
Customer Service Agent
Start Date
August 16, 2006
End Date
May 20, 2009
Details
Date of Issue
August 17, 2023
Expiry Date
August 16, 2006
License Class(es)
Class A
Reference Number
228328371930
Details
Date of Issue
August 17, 2023
Expiry Date
August 16, 2006
-
Source: You
Date: 27th November 2010
Enrolled at St. Anthony’s JHS
06 Sep 1992
Completed BECE: 1996
-
Source: Driver and Vehicle Licensing Authority
Date: 27th November 2010
License to drive by DVLA
18 Jun, 2002
Your Number: E056502240034
No item selected
No details has been selected for preview
Full Name
jOHN DOE
Gender
MALE
Personal ID Number
GHA-000122241-2
Last updated on 08 August 2023 10:00AM
Your credit score is a number that shows your ability to manage and pay back credit as a citizen and/or Ghanaian
Calculating your credit score...
You may have to wait for up to 1 hour to start accessing
your credit score and report.
| Score | Rating | Description |
|---|---|---|
| 800 - 850 | Excellent | Convinces lending institutions that you are financially very responsible. This is the top tier, indicating a history of responsible credit management. You are seen as low-risk by lenders and qualify for the best interest rates and loan terms. |
| 671 - 799 | Very Good | Shows lenders that you are a good investment with a strong credit history and qualify for very favorable interest rates and loan terms. Lenders will consider you a reliable borrower. |
| 541 - 670 | Good | Shows lenders that you are trustworthy enough for credit and have the potential to become a great credit customer. You should be approved for most loans and credit, although you might not qualify for the absolute best rates. |
| 401 - 540 | Fair | Shows lenders that you are a fairly good credit risk and are ready to begin building your credit history incrementally even with comparatively higher interest rate. |
| 351 - 400 | Promising | Shows lenders that although you are not entirely ready to take on credit, given a bit more information you will become eligible. |
| 300 - 350 | Not Good | Shows lenders that you are not entirely ready to take on credit as there is not enough data on you, or you may have a record of past problems with managing credit. |
| < 300 | Bad (or Junk) | You are simply not credit worthy. Lenders are likely not to extend credit to you as you have a confirmed history of defaults and/or missed payments. |
800 - 850
Excellent
Convinces lending institutions that you are financially very responsible. This is the top tier, indicating a history of responsible credit management. You are seen as low-risk by lenders and qualify for the best interest rates and loan terms.
671 - 799
Very Good
Shows lenders that you are a good investment with a strong credit history and qualify for very favorable interest rates and loan terms. Lenders will consider you a reliable borrower.
541 - 670
Good
This category could encompass professionals like doctors, engineers, managers, and entrepreneurs with a comfortable standard of living. Their monthly income might range from GHS 5,000 to GHS 10,000.
401 - 540
Fair
Shows lenders that you are a fairly good credit risk and are ready to begin building your credit history incrementally even with comparatively higher interest rate.
351 - 400
Promising
Shows lenders that although you are not entirely ready to take on credit, given a bit more information you will become eligible.
300 - 350
Not Good
Shows lenders that you are not entirely ready to take on credit as there is not enough data on you, or you may have a record of past problems with managing credit.
< 300
Bad (or Junk)
You are simply not credit worthy. Lenders are likely not to extend credit to you as you have a confirmed history of defaults and/or missed payments.
Credit Score Trend
This section displays the trend in a consumer's credit score
Nothing Here Yet!
Salford Estates
Date Requested
18th Oct, 2023 • 10:23AM
Report type
Borrower Identity
Salford Estates
Date Requested
18th Oct, 2023 • 10:23AM
Report type
Borrower Identity
See how to improve your score
Add Telco KYC
up to 15 ptsAdding your Telco KYC can help boost your credit score. Every bit counts!
Add ECG Meter
PendingAdding your residential ECG meter can help boost your credit score.
Add SNNIT Information
AddedAdding your SSNIT information can also improve your credit score.
Add Ghana Water Meter
up to 15 ptsAdding your residential Ghana Water meter can help boost your credit score.
Other factors that will improve your score
Pay bills on time
up to 15 ptsThis is the most important factor in determining your credit score. Make sure to pay all of your bills on time, in full, every week/month. Keep a good record of your credit history. This includes keeping track of your payments
Avoid applying for too many new accounts in a short period of time.
This can also hurt your credit score. If you need to apply for a new account, do it one at a time and wait a few months before applying for another one.
Be patient
It takes time to improve your credit score. Don't get discouraged if you don't see results immediately. Just keep following the tips above and you will eventually see your score improve.
Pay bills On time
This is the most important factor in determining your credit score. Make sure to pay all of your bills on time, in full, every week/month. Keep a good record of your credit history. This includes keeping track of your payments
Avoid applying for too many new accounts in a short period of time.
This can also hurt your credit score. If you need to apply for a new account, do it one at a time and wait a few months before applying for another one.
Dispute any errors on your credit report.
If you see any errors on your credit report, dispute them immediately. This can help to improve your credit score. Review your credit report for any errors or inaccurate information.
Be patient
It takes time to improve your credit score. Don't get discouraged if you don't see results immediately. Just keep following the tips above and you will eventually see your score improve.
Dispute Reported By Me
You can dispute any inaccurate information on your credit report with supporting evidence.
Date of Report
13th August 2024 • 12:00 AM
Name
Kwaku Frimpong
Phone Number
233571234567
Dispute on
Lenders report
Your Dispute
I am reaching out to express a serious concern regarding Kwaku's recent car loan, which was processed through our institution. Unfortunately, we have been experiencing significant challenges in reaching Derrick to discuss important details related to this loan.
d2dcomplaintKKFrimpong.docs
d2dcomplaintKKFrimpong.docs
Date of Report
13th August 2024 • 12:00 AM
Name
Kwaku Frimpong
Phone Number
233571234567
Dispute on
Lenders report
Your Dispute
I am reaching out to express a serious concern regarding Kwaku's recent car loan, which was processed through our institution. Unfortunately, we have been experiencing significant challenges in reaching Derrick to discuss important details related to this loan.
d2dcomplaintKKFrimpong.docs
d2dcomplaintKKFrimpong.docs
Albrim Microfinance
18th Oct, 2023 • 10:23 AM
Complaint About Kwaku Frimpong
I am reaching out to express a serious concern
regarding Kwaku's recent car loan, which was processed
through our institution. Unfortunately, we have been
experiencing significant challenges in reaching
Derrick to discuss important details related to this
loan.
I kindly request your assistance in facilitating
communication with Derrick or providing alternative
contact information if available. Our priority is to
ensure that all parties involved are informed and able
to participate in necessary discussions regarding this
loan.
Thank you for your attention to this matter. I look
forward to your prompt response.
d2dcomplaintKKFrimpong.docs
d2dcomplaintKKFrimpong.docs
Albrim Microfinance
18th Oct, 2023 • 10:23 AM
Complaint About Kwaku Frimpong
I am reaching out to express a serious concern
regarding Kwaku's recent car loan, which was processed
through our institution. Unfortunately, we have been
experiencing significant challenges in reaching
Derrick to discuss important details related to this
loan.
I kindly request your assistance in facilitating
communication with Derrick or providing alternative
contact information if available. Our priority is to
ensure that all parties involved are informed and able
to participate in necessary discussions regarding this
loan.
Thank you for your attention to this matter. I look
forward to your prompt response.
d2dcomplaintKKFrimpong.docs
d2dcomplaintKKFrimpong.docs
This section displays any claims or disputes reported on your Ghana card. A claim is a formal request made by a creditor (lender) against a borrower. It may arise from disagreements regarding the borrower's creditworthiness and repayments
If you are seeing this, it means that you do not have any claims & dispute record from any lender.
Date of report
18th Oct, 2023 • 10:23 AM
Name
Kwaku Frimpong
Phone Number
233571234567
Date of report
18th Oct, 2023 • 10:23 AM
Name
Kwaku Frimpong
Phone Number
233571234567
Date of report
18th Oct, 2023 • 10:23 AM
Name
Kwaku Frimpong
Phone Number
233571234567
Date of report
18th Oct, 2023 • 10:23 AM
Name
Kwaku Frimpong
Phone Number
233571234567
Date of report
18th Oct, 2023 • 10:23 AM
Name
Kwaku Frimpong
Phone Number
233571234567
if you are seeing this, it means you have not raised any Claims & Dispute concerning your report.
Request Accepted
Your credit request has been accepted for processing
See details
Request Expired
Your credit request has been accepted for processing
See details
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Property Credit
Get the Funds You Need to Buy, Build, or Renovate
Owning a home is a significant milestone in anyone's life. It's more than just a place to live; it's an investment in your future. It’s a smart way to invest without paying everything upfront.
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Empowering Your Business Growth
The SME GO Programme is implemented by the Ghana Enterprises Agency, Ghana EXIM Bank, and Development Bank Ghana with the support of the Ministry of Finance and the Ministry of Trade. It offers targeted financial and technical support to high-growth potential SMEs to accelerate their growth.
Personal Items
Affordable Credit for Life’s Essentials
Personal credit lets you buy and own essentials upfront. It’s useful for big purchases or emergencies, but budget wisely to avoid debt.
Rent Credit and Assistance
Credit to ease accommodation costs
Rent Credit and Assistance refers to financial support for borrowers to secure rent allowances, covering part or all of their rental payments. A good credit score can increase access to better rental options and terms. This assistance or financial relief helps reduce rent expenses.
See how to improve your score
Add Telco KYC
up to 15 ptsAdding your Telco KYC can help boost your credit score. Every bit counts!
Add ECG Meter
PendingAdding your residential ECG meter can help boost your credit score.
Add SNNIT Information
AddedAdding your SSNIT information can also improve your credit score.
Add Ghana Water Meter
up to 15 ptsAdding your residential Ghana Water meter can help boost your credit score.
Other factors that will improve your score
Pay bills on time
up to 15 ptsThis is the most important factor in determining your credit score. Make sure to pay all of your bills on time, in full, every week/month. Keep a good record of your credit history. This includes keeping track of your payments
Avoid applying for too many new accounts in a short period of time.
This can also hurt your credit score. If you need to apply for a new account, do it one at a time and wait a few months before applying for another one.
Be patient
It takes time to improve your credit score. Don't get discouraged if you don't see results immediately. Just keep following the tips above and you will eventually see your score improve.
Pay bills On time
This is the most important factor in determining your credit score. Make sure to pay all of your bills on time, in full, every week/month. Keep a good record of your credit history. This includes keeping track of your payments
Avoid applying for too many new accounts in a short period of time.
This can also hurt your credit score. If you need to apply for a new account, do it one at a time and wait a few months before applying for another one.
Dispute any errors on your credit report.
If you see any errors on your credit report, dispute them immediately. This can help to improve your credit score. Review your credit report for any errors or inaccurate information.
Be patient
It takes time to improve your credit score. Don't get discouraged if you don't see results immediately. Just keep following the tips above and you will eventually see your score improve.
Before you transact, check to see if your borrower owes.
Find out if an individual or a business is associated with a non-performing loan.
You need permission from this Ghana Card holder (GHA-123456789-0) to access their loan default report.
Enter their details below to send a request.
11 Duala street, East Legon
GA-335-8608
P.O.Box CT, 6362 Cantonment Accra
BOG License Number: 0003
www.mycreditscore.com.gh
Non-Performing Loan Report for
CHARITY AKOSUA DEI ACHEMPONG (GHA-5678901234-3)
Charity Akosua Dei Achempong may be associated with Non-Performing Loan (NPL) from 3 lenders.
You will need permission from this Ghana Card holder to obtain a
copy of
their credit report
11 Duala street, East Legon
GA-335-8608
P.O.Box CT, 6362 Cantonment Accra
BOG License Number: 0003
www.mycreditscore.com.gh
Non-Performing Loan Report for
CHARITY AKOSUA DEI ACHEMPONG (GHA-5678901234-3)
Charity Akosua Dei Achempong may be associated with Non-Performing Loan (NPL) from 3 lenders.
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Checking for NPL Records...
Your Ghana Card could not be verified successfully.
Live photo verification successfully
No NPL Record Found
The borrower with Ghana Card GHA-123456789-0 has no Non-Performing Loan records.
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myCredit Score Limited is provisionally licensed by Bank of Ghana with REF No.: FSD/CRO/MISC/MCSL/SOA/2024.
myCreditScore and the myCreditScore trademarks used herein are exclusive trademarks of myCredit Score Limited. As a licensed credit reference bureau of the Bank of Ghana, the company trades and partners with lenders, businesses, property owners and identity organizations of all types. The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand. Other product and company names mentioned herein are the property of their respective owners.
©2024 - myCreditScore Limited. All rights reserved
Install the app
Empower your financial future with myCreditScore
About Us
Services
Terms & Conditions
Privacy Policy
myCredit Score Limited is provisionally licensed by Bank of Ghana with REF No.: FSD/CRO/MISC/MCSL/SOA/2024.
myCredit Score and the myCredit Score trademarks used herein are exclusive trademarks of myCredit Score Limited. As a licensed credit reference bureau of the Bank of Ghana, the company trades and partners with lenders, businesses, property owners and identity organizations of all types. The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand. Other product and company names mentioned herein are the property of their respective owners.
©2024 - myCredit Score Limited. All rights reserved
Successful
Your permission request to obtain a copy of the credit report for Charity Akosua Dei Achempong has been sent.
You will need permission from this Business to obtain a copy of their credit report
Send an email to [email protected] and attach any additional files that may be helpful
Request Details
Loan Report Request Declined
Charity Akosua Dei Achempong has declined your request to access their loan default report.
Charity Akosua Dei Achempong
GHA-123456789-0
Phone Number
+233 20 778 9000
ID Type
SSNIT
Credit Amount
GHS 20,000.00
Date of Birth
01 / 03 / 1997
ID Number
DCO390932323323
Date Requested
1st Aug, 2025 • 10:23 AM
Purpose of Check
To check their repayment behaviour
No Loan Default Records Found
The borrower with Ghana Card GHA-123456789-0 has no loan default records.
Live Face Verification
Verify your face against the photo on your Ghana card to gain full access of the CitizenApp
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Credit History
Hubtel
Last updated: 08 August 2023
Repayment Schedule
| 12th Ausgust,2023 | GHC 12.00 | Paid |
| 12th Ausgust,2023 | GHC 12.00 | Unpaid |
| 12th Ausgust,2023 | GHC 12.00 | Paid |
| 12th Ausgust,2023 | GHC 12.00 | Unpaid |
| 12th Ausgust,2023 | GHC 12.00 | Paid |
| 12th Ausgust,2023 | GHC 12.00 | Unpaid |
| 12th Ausgust,2023 | GHC 12.00 | Paid |
| 12th Ausgust,2023 | GHC 12.00 | Unpaid |
| 12th Ausgust,2023 | GHC 12.00 | Paid |
| 12th Ausgust,2023 | GHC 12.00 | Unpaid |
| 12th Ausgust,2023 | GHC 12.00 | Paid |
| 12th Ausgust,2023 | GHC 12.00 | Unpaid |
| 12th Ausgust,2023 | GHC 12.00 | Paid |
| 12th Ausgust,2023 | GHC 12.00 | Unpaid |
| 12th Ausgust,2023 | GHC 12.00 | Paid |
| 12th Ausgust,2023 | GHC 12.00 | Unpaid |
| 12th Ausgust,2023 | GHC 12.00 | Paid |
| 12th Ausgust,2023 | GHC 12.00 | Unpaid |
| 12th Ausgust,2023 | GHC 12.00 | Paid |
| 12th Ausgust,2023 | GHC 12.00 | Unpaid |
| 12th Ausgust,2023 | GHC 12.00 | Paid |
| 12th Ausgust,2023 | GHC 12.00 | Unpaid |
| 12th Ausgust,2023 | GHC 12.00 | Paid |
| 12th Ausgust,2023 | GHC 12.00 | Unpaid |
Bank Statement
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Max file size: 5mb. Supports: excel, csv.
Mobile Money Statement
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Max file size: 5mb. Supports: excel, csv.
Landed Property
Drag & Drop or Choose file to upload
Max file size: 5mb. Supports: excel, csv.
SSNIT Contributions
Drag & Drop or Choose file to upload
Max file size: 5mb. Supports: excel, csv.
Proof of Address
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Max file size: 5mb. Supports: excel, csv.
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SSNIT RECORD
Social Security No.
C01930770050797
Date of registration
2021-01-01 00:00:00
Date of first contribution.
21-01-31
First Employer
Hubtel Limited
Current Employer
Hubtel Limited
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Mobile Money Statement
Drag & Drop or Choose file to upload
Max file size: 5mb. Supports: excel, csv.
Fetching Latest Report
Note, there's a GHS 20.00 fee to retrieve your latest report, which will be available within
47 hours 59 minutes 58 seconds.
Preparing Report
We're preparing your report for download, which may take some time. We'll notify you as soon as it's ready.
Car Finance
Begin your credit request with a simple, guided process
Enter Amount
Specify how much credit you need for your car finance.
Choose Repayment Period
Select how long you’d like to repay.
Describe Purpose
Let the lender know why you need the credit.
Property Credit
Begin your credit request with a simple, guided process
Enter Amount
Specify how much credit you need for your car finance.
Choose Repayment Period
Select how long you’d like to repay.
Describe Purpose
Let the lender know why you need the credit.
Small & Medium Enterprises Credit
Empowering Your Business Growth
The SME-GO programme offers financial and technical support to high-growth SMEs to accelerate their growth.
Funding is provided under the supervision of the Ministry of Finance and the Ministry of Trade, through the Ghana Enterprises Agency and Ghana EXIM Bank.
You will be redirected to the SME-GO application portal to submit your request.
Personal Items
Begin your credit request with a simple, guided process
Enter Amount
Specify how much credit you need for your car finance.
Choose Repayment Period
Select how long you’d like to repay.
Describe Purpose
Let the lender know why you need the credit.
Rent Credit and Assistance
Begin your credit request with a simple, guided process
Enter Amount
Specify how much credit you need for your car finance.
Choose Repayment Period
Select how long you’d like to repay.
Describe Purpose
Let the lender know why you need the credit.
Add Telco Data
A prompt has been sent to you at {number}. Authorize to complete the process.
Note: By authorizing, you agree to share your data with myCreditScore to enhance your credit profile.
Fetching ECG meter(s) linked to your mobile number...
Add ECG Meter
Select the ECG meter for your current residence.
Add Meter
Adding this meter will contribute to your overall credit score. Once you select this option, it is locked in and cannot be changed or reversed for the next 6 months.
Make absolutely certain of your choice before proceeding.
Successful
Meter added successfully
Your score will be updated within 30 days after review
Add Ghana Water Meter
Select the Ghana Water meter for your current residence.
No meters found
There were no meters linked to your mobile number.
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Credit profile is ready for download.
