Credit VetoCredit Veto
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Every Feature You
Need to Build Credit

Over 60% of Nigerians have no credit history. CreditVeto is changing that by turning everyday bill payments into a powerful credit profile.

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CreditVeto features
Credit Score Engine

Credit Score Engine

Our proprietary algorithm calculates your creditworthiness based on bill payment consistency, amount, diversity, and history.

Real-time score updates
300-850 score range
Detailed score breakdown
Historical tracking

Universal Bill Payments

Pay 50+ bill categories from a single wallet. Electricity, rent, airtime, internet, cable TV, subscriptions, and much more.

50+ bill categories
Instant payment confirmation
Payment receipts & history
Multi-provider support
Universal Bill Payments
Cashback Rewards

Cashback Rewards

Earn real naira cashback on every bill payment. Your cashback rate increases as you climb spend tiers — up to 5%.

Up to 5% cashback
Instant wallet credit
No minimum threshold
Tier-based rates

Credit Marketplace

Access pre-approved financial products based on your CreditVeto score — loans, BNPL, rentals, insurance, and more.

Pre-approved offers
Multiple lender partners
Score-based pricing
Instant applications
Credit Marketplace

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.