Access Loans With Your Cedi Score
From loans to everyday purchases, your Cedi Score makes a difference. CediScore helps you check, understand, and improve it.
Score at a Glance
What Builds Your Score
Every decision counts, from the way you repay loans to how you manage your income. These five key factors tell your financial story.
Consistency Builds Confidence
Your payment habits tell the biggest part (60%) of your credit story. Paying on time and keeping balances clear show lenders you are dependable.
SEE HOW THIS COUNTS →Protect Your Credibility
Bounced cheques make up 15% of your score and can affect how reliable you appear. Clearing them quickly helps rebuild confidence.
SEE HOW THIS COUNTS →Clearing Debts Strengthens Trust
Judgement debts make up 10% of your Cedi Score and reflect unpaid financial obligations. Settling them keeps your record clear.
SEE HOW THIS COUNTS →Stability Shapes Strength
A steady job, regular income, and reliable living conditions make up 7% of your score. This shows lenders you can stay consistent.
SEE HOW THIS COUNTS →Preparedness Builds Strength
Your bank account balance makes up 5% of your score. A healthy balance gives the assurance of your ability to meet future commitments.
SEE HOW THIS COUNTS →Frequently
asked questions
Everything you need to know about your Cedi Score and how it affects your financial future.
Still have questions?
CONTACT SUPPORT →A Cedi Score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of an individual.
Focus on timely repayments, clearing dishonored cheques, and settling judgment debts. Consistency is key to building a strong score.
In Ghana, credit bureaus are licensed and regulated by the Bank of Ghana under the Credit Reporting Act, 2007 (Act 726).
Yes, every individual is entitled to one free credit report per year from any licensed credit bureau in Ghana.
Take the First Step to New Financial Possibilities
Get started with CediScore and get access to better loan options by knowing your Cedi Score and understanding your credit report.