In Ghana, requesting a free credit report can be done through the Credit Reference Bureau. According to the Bank of Ghana’s guidelines, individuals are entitled to one free credit report annually from any credit bureau.
Here are the steps to requesting a credit report:
- Identify a Credit Reference Bureau: The two major credit bureaus in Ghana are:
- XDS Data Ghana (Xpert Decision Systems)
- Dun & Bradstreet Credit Bureau Ghana
2. Request Your Credit Report:
- Visit the credit bureau’s office or their website.
- Submit a request form, which typically requires:
- Personal details (name, address, phone number).
- A valid ID (passport, voter’s ID, driver’s license, or national ID card).
- Proof of residency or additional documentation.
3. Alternative Channels:
- Some credit bureaus may allow online requests.
- You can also contact them via phone or email to inquire about the process.
Make sure to follow up if the report isn’t provided promptly within the typical response time (15-30 days).
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