Quick answer: In Ghana you can check your credit report and score with any of the three credit bureaus licensed by the Bank of Ghana: XDS Data Ghana, Dun & Bradstreet Credit Bureau and MyCredit Score Limited (the myCreditScore app). The Credit Reporting Act, 2007 (Act 726) gives you one free report from each bureau every 12 months. You identify yourself with your Ghana Card. Since the Bank of Ghana approved credit scoring in August 2025, bureaus also give a number, usually on a 300–850 scale. Your report includes bank and microfinance loans, and also mobile money loans such as Qwikloan and Fido. Wrong entries can be disputed for free.
GHCS1610The three licensed credit bureaus
| Bureau | Licensed | What individuals can get | How to request |
|---|---|---|---|
| XDS Data Ghana | 2008, Ghana's first credit bureau | Credit report and credit score | Online request with a Ghana Card check, or at its Accra office |
| Dun & Bradstreet Credit Bureau | Final licence February 2012 | Consumer credit report; credit score since August 2025 | Through its website or at its Accra office, with Ghana Card details |
| MyCredit Score Limited | Licensed by the Bank of Ghana after 2021 | Score tracking and reports in the myCreditScore app | Mobile app, activated with your Ghana Card number and phone number |
All three receive data from the same lenders, but each may hold slightly different records, so a mistake can appear at one bureau and not at another. HudsonPrice Data Solutions, which some older articles still list, lost its licence in November 2022, and the Bank of Ghana took custody of its database. Names such as "Experian Ghana" or "CreditInfo Ghana" that appear on some blogs are not licensed bureaus in Ghana. For a closer look at the largest bureau, see our guide to XDS Credit Bureau Ghana.
What is in your credit report
A Ghanaian credit report lists your identity details linked to your Ghana Card, every credit facility with its amount, balance and status, your repayment history, dishonoured cheques and a log of lenders who checked your file. The data does not only come from banks:
- Regulated lenders: commercial banks, savings and loans companies, finance houses, microfinance institutions and rural and community banks report monthly.
- Digital lenders: mobile money loans such as MTN Qwikloan and Fido must be reported, and under Bank of Ghana rules digital lenders check the bureau before approving a loan.
- Other designated data providers: 36 non-bank institutions by the end of 2025, including the Electricity Company of Ghana, SSNIT, MASLOC, the Student Loan Trust Fund, telecom companies and retailers selling on credit.
The system is used heavily. According to the Bank of Ghana's credit reporting report for 2025, lenders submitted about 65 million loan records a month in 2025 and ran 25.9 million credit searches during the year. Checks for digital loans made up 76.9% of them, almost 20 million, up from 13.1 million in 2024. Because records are tied to your Ghana Card, changing your SIM card or network does not remove an unpaid mobile loan from your file.
The Bank of Ghana has set February 5, 2026 as the compliance date for its expanded data submission notice. Lenders and the 36 designated non-bank providers must report under the new standard from that date, which should mean fewer gaps in your file. This builds on the Credit Reporting Regulations, 2020 (L.I. 2394).
A central Data Hub for Credit Reporting is planned for 2026 to standardise how lenders send data and cut reporting delays. Until it is live, check each bureau separately, because a record may be missing at one and present at another.
The Bank of Ghana published its 2025 Credit Reporting Activity Annual Report on September 28, 2026. Among its findings: lenders ran 25.9 million credit searches in 2025, and 76.9% were for digital loans. That makes your mobile money record, including MTN Qwikloan and Fido, central to your score.
Your rights under Act 726
| Right | What the law says |
|---|---|
| Free report | One free copy of your file from each bureau every 12 months (section 37); more free copies if a court orders it or to check that an error was corrected. Other requests may carry a fee. |
| How long data stays | Up to six years from the event (section 30); criminal convictions ten years. |
| Consent | Lenders need your prior consent to send your data or check your report (sections 22 and 26). They may report a loan more than 90 days overdue without consent, if the amount is not disputed and they gave you at least 28 days' written notice. |
| Disputes | You can challenge inaccurate or outdated information free of charge (sections 37, 38 and 42). If the bureau or lender cannot produce credible evidence, the entry must be removed and everyone who received it must be told. |
| Escalation | If you are not satisfied, complain in writing to the Bank of Ghana (within 20 working days of receiving the evidence) before going to court (sections 38 and 43). |
Before applying for a large loan or mortgage, request your free report from each bureau, check every facility listed, and dispute anything that is wrong, such as a repaid loan still shown as open, a loan you never took, or a duplicate entry. Keep proof of repayment, because the dispute must be supported by evidence.
How lenders use your score and how to improve it
Lenders in Ghana increasingly use scores to set interest rates and loan limits, not just to approve or reject an application. A higher score can mean a lower rate, a larger limit or no guarantor. Bad loans remain a serious problem for lenders: the banking sector's non-performing loan ratio fell to 16.1% in June 2026, but in savings and loans companies it rose to 19.4%. That makes lenders careful with applicants who have a weak record.
- Pay every loan, including small mobile money loans, on or before the due date; one default on a digital loan stays on your file for years.
- Keep the amount you owe well below your credit limits.
- Do not apply to many lenders in a short period, because each application is logged as an enquiry.
- Link your Ghana Card to your bank, mobile money and utility accounts, so that your positive history is recorded under one identity.
When you are ready to borrow, compare rates in our guide to personal loans in Ghana.
Avoid credit score scams
Fake apps and websites offering "free credit scores" often only collect your personal details. Use only the three licensed bureaus. Anyone who offers to "clean" or "wipe" a correct default for a fee is a scammer: accurate negative data stays for six years by law, and correcting real errors is free. Legitimate bureaus may ask for your Ghana Card number to verify you, but they never ask for your mobile money PIN or bank passwords. Since September 2025, Bank of Ghana rules forbid digital lenders to access your phone contacts or shame borrowers publicly, and they must hold a certificate from the Data Protection Commission. In September 2026 the Bank of Ghana warned the public about 20 unlicensed lending apps.
Act now on the February 5, 2026 data standard: request your free annual report from each licensed bureau and compare them, because submission gaps can persist until the Data Hub launches. If you plan to borrow in 2026, clear small digital loans and keep balances low, since digital-loan searches dominate bureau activity. Dispute any entry that is wrong or missing, and remember that accurate negative data stays for six years. Acting before you apply for a large loan gives you time to correct errors and avoid a rejected application or a higher rate.