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XDS Credit Bureau Limited is Nigeria's first licensed credit bureau. The company was incorporated as XDS Solutions Limited in May, 2005 with RC. No 623, 894 and having satisfied the conditions for the grant of a credit bureau license under the Central Bank of Nigeria Act, No. 7 of 2007, was granted final operating license on the 28th of May 2009 to operate a credit bureau in Nigeria.

The company is part of an emerging Continental brand - XDS - that is committed to designing and deploying solutions that turn data into strategic tools for information and risk management. It leverages on the extensive involvement of its technical partners, Xpert Decision Systems (XDS) Pty Limited of South Africa in start-up credit bureau projects in South Africa, Ghana, Malawi, United Arab Emirates and Australia in making available to the Nigerian market, a suite of innovative and user-friendly information and credit management solutions. XDS Pty Limited operates one of South Africa's major consumer and Ghana's only licensed and operational credit bureau.

In furtherance of its commitment to provide the country with independent and credible credit information reporting services, no financial institution owns equity nor participates in the management of the company. This makes the company Nigeria's only independent credit bureau.

The company's authorised share capital of =N=1,000,000,000 is over seventy percent subscribed with ownership spread amongst Nigerian investors and the company's technical partners.


Why Use XDS Credit Bureau

  • It is Nigeria's first and only independent credit bureau
  • Uses tested and world class technological processes
  • Technical partner has considerable experience in credit bureau development and management in emerging economies
  • Possesses robust ICT Infrastructure
  • Strong and growing market presence that spans the entire country
  • Provides innovative, value adding services at affordable prices
    Customer centric service delivery platform including a well manned Dispute Resolution Unit


Our vision

Our vision is to be the best, preferred and trusted credit and information reporting agency in Nigeria.

Know your Credit Status!

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