Credit scoring built for Nigeria's reality
Access all three Nigerian credit bureaus via a single API. Score thin-file customers with alternative data. Make faster, safer credit decisions — from origination to ongoing monitoring.
All three Nigerian bureaus, one integration
ReassureQI maintains direct connections to CRC, FirstCentral, and XDS — so you don't have to manage three separate integrations and data formats.
Credit Registry Corporation
Nigeria's oldest credit bureau. Covers consumer and commercial credit histories from major commercial banks, microfinance banks, and mortgage institutions.
- 18M+ credit records
- CBN licensed
- Commercial & consumer
FirstCentral Credit Bureau
Real-time credit data from over 200 financial institutions. Strongest coverage for digital lenders, fintechs, and BNPL providers.
- 12M+ records
- 200+ data contributors
- Fintech-first
CreditChek / XDS Data
Telco and utility payment history, informal lender data, and alternative data sources for customers without traditional credit histories.
- Alternative data
- Telco payment history
- Informal credit
Composite score calibrated for Nigeria
ReassureQI's composite credit score (300–850) blends bureau data from all three sources with alternative signals — trained on Nigerian lending outcomes, not imported international models.
On-time loan and credit payments across all registered bureaus
Outstanding balances vs. approved credit limits across facilities
Length of credit history and diversity of credit types
Recent hard inquiries indicating new credit applications
Airtime top-up patterns, utility payments, mobile money flows
Clear, actionable verdicts
Every bureau query requires a consent reference. ReassureQI manages the consent audit trail, adverse action notice generation, and NDPA-compliant data retention periods automatically.
Built for the full credit lifecycle
From pre-screening to portfolio monitoring — Credit Intelligence plugs into every stage of your lending workflow.
Loan Origination
Pre-score applicants in milliseconds before passing to your credit team. Filter out high-risk customers early.
Thin-File Customers
Score first-time borrowers with no formal credit history using mobile, utility, and behavioural signals.
Fraud Pre-Screening
Detect credit fraud patterns — multiple simultaneous applications, synthetic identities, and loan stacking.
Portfolio Monitoring
Ongoing monitoring of your loan book. Get alerts when customers' bureau profiles change materially.
Regulatory Compliance
Automated adverse action notices. NDPA-compliant data handling with customer consent management built in.
Credit Limit Decisions
Dynamic limit assignment based on real-time score. Re-score automatically on monthly refresh cycle.
One call. Three bureaus. Full picture.
Pass a BVN or NIN, specify which bureaus to query, and receive a unified credit report with composite score, open facilities, delinquency history, and a clear lend/review/decline recommendation — all in under 400ms.
| 1 | "color:#C678DD">const trustqi = require('@trustqi/node'); |
| 2 | |
| 3 | "color:#C678DD">const client = "color:#C678DD">new trustqi.Client({ |
| 4 | apiKey: process.env.TRUSTQI_API_KEY, |
| 5 | }); |
| 6 | |
| 7 | // Multi-bureau credit lookup with scoring |
| 8 | "color:#C678DD">const report = "color:#C678DD">await client.credit.lookup({ |
| 9 | bvn: '22234567890', |
| 10 | nin: '12345678901', |
| 11 | bureaus: ['crc', 'firstcentral', 'xds'], // all three |
| 12 | include: ['score', 'facilities', 'inquiries', 'delinquencies'], |
| 13 | consent_reference: 'CONSENT-2024-00447', |
| 14 | }); |
| 15 | |
| 16 | console.log(report); |
| 17 | // { |
| 18 | // subject: { |
| 19 | // full_name: 'Emeka Okafor', |
| 20 | // bvn_verified: "color:#C678DD">true, |
| 21 | // }, |
| 22 | // composite_score: 742, |
| 23 | // score_band: 'GOOD', // POOR / FAIR / GOOD / EXCELLENT |
| 24 | // risk_rating: 'LOW', // LOW / MEDIUM / HIGH / VERY_HIGH |
| 25 | // recommendation: 'APPROVE', // APPROVE / REVIEW / DECLINE |
| 26 | // facilities: [ |
| 27 | // { |
| 28 | // lender: 'Horizon MFB', |
| 29 | // product: 'Personal Loan', |
| 30 | // status: 'CURRENT', |
| 31 | // outstanding: 250000, |
| 32 | // limit: 500000, |
| 33 | // opened: '2022-03-01', |
| 34 | // performance_months: 24, |
| 35 | // } |
| 36 | // ], |
| 37 | // delinquencies: [], |
| 38 | // inquiries_last_30_days: 1, |
| 39 | // data_sources: ['crc', 'firstcentral'], |
| 40 | // latency_ms: 312, |
| 41 | // } |
Start making smarter credit decisions today
Get sandbox access with 50 free bureau queries. Test against realistic Nigerian credit profiles before going live.