Kredo turns the bills you already pay on time — rent, data, electricity, transport savings — into a real, bureau-recognised credit history. No loan required to start.
Free to start · No hidden fees · Built for Nigeria first
Link rent, electricity, data, or transport payments. Kredo verifies them directly from your bank or wallet — no paperwork.
Our model reads payment consistency over time and turns it into a structured credit profile, flagging what's helping or hurting.
Once it's stable, your history is reported to recognised credit bureaus — so lenders can finally see who you really are.
Plain-language nudges on what's raising or lowering your score, in the moment it happens — not once a year.
Test "what if I pay rent 3 days early for 6 months" before you commit — see the projected impact first.
Once your history is stable, it's submitted to recognised credit bureaus — a real file lenders can check.
"I'd paid my rent on time for six years. No bank ever knew. Kredo was the first place that counted it."
Join the early access list — we're onboarding in small batches, starting with Port Harcourt and Lagos.
No spam. One email when we launch in your city.
You're on the list — we'll email you soon.