Credit Report & Score
Spot credit trouble before rent trouble. See their repayment behaviour before you hand over the keys.
622/850
A Good Job Does Not Mean Good Payment Behaviours
An employment letter confirms salary, not the ₦800k in bad debt owed to apps like Carbon or FairMoney. Don't rely on income alone. Tenalet checks credit bureau data to show you the full financial picture before you sign.
What a Credit Report Reveals
Credit Score
A three-digit number (300-850) summarising payment behaviour across all reported accounts. Higher scores indicate lower risk. Lower scores demand questions.
Loan Default History
Did they stop paying Carbon? Walk away from a bank loan? Default flags appear here. This is the data point that saves landlords the most money.
Active Credit Obligations
Current loans, credit cards, BNPL balances, and other debts. See if your rent competes with existing payments they already struggle to meet.
Payment Patterns
How consistently do they pay existing obligations? Someone who pays their loans late will also pay their rent late. The pattern transfers.
Credit Inquiries
Recent applications for credit. Multiple inquiries in a short period often signal financial stress or a desperate need for cash.
Identity Verification
BVN and NIN cross-check included. Confirms the applicant is who they claim to be before you review their financial history.
Backed by Nigerian Law
Tenancy credit checks are fully authorized by the Credit Reporting Act 2017 and CBN guidelines. Tenalet automates all tenant consent and legal compliance, so you can screen with zero risk.
of Nigeria
How to request Credit Reports from Tenants
Step 1
Step 2
Step 3
Select Credit Report when setting up ToletLink
When creating your rental application link, check "Credit Report & Score" under screening requirements. The system automatically includes Identity Verification.
Share Your ToletLink
Send your application link via WhatsApp, email, or SMS. Applicants see exactly what verification costs before applying.
Review the Report
Receive the credit report within minutes of the applicant's payment. Accept, decline, or request additional information from your dashboard.
Select Credit Report when setting up ToletLink
When creating your rental application link, check "Credit Report & Score" under screening requirements. The system automatically includes Identity Verification.
Share Your ToletLink
Send your application link via WhatsApp, email, or SMS. Applicants see exactly what verification costs before applying.
Review the Report
Receive the credit report within minutes of the applicant's payment. Accept, decline, or request additional information from your dashboard.
Frequently asked questions
Yes. The guarantor can use the same link, select their role and complete the process independently. You receive separate reports for the tenant and guarantor.
We use CreditRegistry by default, then check First Central and CRC until we find a report on file. This means we search across all three licensed credit bureaus in Nigeria to give you the most complete picture available.
We generate a "No Credit File Report" that includes the renter's verified identity, date of birth, and a log of every credit bureau searched with their inquiry IDs. This confirms you are dealing with the right person and that they have no debt obligations across any Nigerian credit bureau.
Yes. Many people forget about BNPL services (Carbon, FairMoney, Branch), credit cards, or even phone loans. A credit report reveals obligations the applicant may not voluntarily disclose.
Yes. You can select both when creating your ToletLink. This gives you the most comprehensive view of your applicant's financial health — their earning power and their spending habits.
We generate the credit report within 2 to 3 minutes after the applicant submits (if they are paying for screening) or after you pay (if you chose to cover the cost). If it takes longer than that, contact our support team.
Bank loans, microfinance loans, BNPL services, credit cards, car loans, mortgages, salary advances, and any other credit facility reported to Nigerian credit bureaus.
See Tenalet in action,
No account needed!
Request a screening report from a tenant in 3 clicks.
Select screening options
Who pays the ₦6,000 screening fee?