User:Olamide007z/sandbox

= FirstCentral Credit Bureau =
 * name = FirstCentral Credit Bureau.
 * type = Private company
 * industry = Business services
 * foundation = 31
 * location = Lagos, Nigeria
 * products = Credit Bureau, Credit scorecards, Decision support system,
 * homepage = https://www.firstcentralcreditbureau.com/

FirstCentral
FirstCentral  is a Nigeria credit bureau is an information and risk management company that compiles credits information on individuals and business entities with operations in several countries. As of 2019 the company employs over 100 people with corporate headquarters in Lagos, Nigeria.

History
The company was initially created in 2005 first as XDS Credit Bureau, and later rebranding and took up the name FirstCentral as the company expanded into other sectors and initiatives. In 2009, FirstCentral became one of the oldest and biggest credit bureaus in Nigeria.

Vision
“To be the best, preferred and trusted credit and information reporting agency in Nigeria”. the brand provides a complete overview of the credit market through a system of correlating comprehensive credit record (from financial and non-financial sectors) that is made available to lending institutions and other users.

Provision of Credit Scores
FirstCentral provides credit scores - A credit score is a statistical number that evaluates a consumer's creditworthiness and is based on the individuals credit history behavior. FI’s and other borrowers use credit scores to evaluate the probability that an individual will repay his or her loan(s).

Products
X-SCore Consumer Detailed Credit

Consumer Detailed Credit

Consumer Basic Credit

Consumer Basic Trace

Consumer Snap Check

Dud Cheque Consumer

Portfolio Monitoring Report Consumer

Commercial Detailed Credit

Commercial Basic Credit

Directorship Basic Credit

Directorship Detailed Credit

Dud Cheque Commercial

Services
Credit Repair

Credit Update

Fraud Detections

Trainings on credit & Financial Literacy

Financial Literacy
FirstCentral embarked on comprehensive financial literacy program which included explanations about factors that contribute to a credit score, simulators that show how consumers’ decisions can impact their score, trends and articles. It can also include access to experts who can explain the fundamentals of credit reports to your customers. The financial Program also considered the peculiarities of the Nigerian market using a pilot study this played a critical role in the choice/method  of delivery, e.g. Interactive website is a better option or was a preferred choice in comparison to gamification for literacy programs.