Verify the Borrower’s Identity First
Before pulling any credit data, confirm the applicant is who they say they are. Use BVN, NIN, or national ID verification to match the submitted details against authoritative government records.BVN Verification
Confirm name, phone, and date of birth against the Bank Verification Number registry.
NIN Verification
Verify the applicant’s National Identity Number before processing their application.
Pull Their Credit History
Adhere connects to CRC, First Central, and Credit Registry — Nigeria’s major credit bureaus — so you can retrieve a full picture of the applicant’s borrowing history before making a decision.CRC Credit History
Number of loans, active facilities, delinquencies, and total outstanding balance from CRC.
First Central Credit Summary
Summary-level credit data from First Central Credit Bureau.
Credit Registry Full Report
Detailed credit report including payment history and institution breakdown.
Credit Score
Numeric credit score from First Central or CRC to feed directly into your decisioning model.
Run a Loan Fraud Check
The Loan Fraud Check endpoint combines the submitted application data with credit bureau information to produce a fraud risk score (0–100), a repayment assessment, and a recommendation — for both individual and business applicants.Individual Fraud Check
Score an individual application using income, employment, collateral, and credit history data.
Business Fraud Check
Assess a business loan application using company registration, revenue, and credit data.
A Complete Lending Due-Diligence Flow
Verify identity
Call BVN or NIN verification to confirm the applicant’s name and date of birth match what they submitted.
Pull credit history
Retrieve a credit summary or full report from the bureau of your choice. Check for delinquencies, active loans, and total exposure.
Run the fraud check
Submit the full application to the Loan Fraud Check endpoint. Receive a fraud risk score, key financial ratios, and a plain-language recommendation.