Building Africa's Credit
Infrastructure
Over 60% of Nigerians have no credit history. CreditVeto is changing that by turning everyday bill payments into a powerful credit profile.
Africa Has a
Credit Gap
Traditional credit scoring systems rely on bank statements and formal employment records. But in Nigeria, millions of hardworking people operate in the informal economy, paying rent, electricity, airtime, and more with zero credit history to show for it.
This means they're locked out of loans, unable to rent without massive upfront deposits, and invisible to financial institutions.
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Our Mission
To make credit accessible for every African by creating a credit scoring system built on everyday financial activity, starting with the bills people already pay.
Our Vision
A world where every African can access loans, rent homes, and unlock financial opportunities based on a credit score they've built simply by living their lives.
Our Core
Values
Financial Inclusion
We believe every Nigerian deserves access to credit, regardless of their formal employment status.
Trust & Transparency
Your data is yours. We use bank-grade encryption and never share your information without consent.
Innovation
We're rethinking credit from the ground up — using everyday bill payments as the foundation.
Pan-African Vision
Starting in Nigeria, we're building credit infrastructure that will serve all of Africa.
Common Questions
We use AI-powered tools to generate personalized dispute letters for every negative item on your report. These letters are then verified and submitted to the relevant credit bureaus on your behalf.