If you have ever borrowed from a bank, a microfinance company, a licensed loan app or a hire-purchase shop, a credit bureau in Ghana probably holds a report on you - and every lender is meant to read it before deciding on your application. Under the Credit Reporting Act, 2007 (Act 726), financial institutions must get a credit report on a borrower before granting or refusing a loan.

What is in it

  • Your identity: name, Ghana Card number, date of birth, addresses
  • Every loan or credit facility reported on you, the amount, and whether you paid on time
  • Defaults and arrears, and dishonoured cheques, which banks must report
  • Which lenders have looked at your report

Since March 2026 the Bank of Ghana has directed telecoms, utilities, retailers and fintechs to report to the system too, so unpaid postpaid bills and app loans can appear alongside bank loans.

The bureaus

The Bank of Ghana licenses the credit bureaus. In 2026 they were XDS Data Ghana, Dun & Bradstreet Credit Bureau Ghana and My Credit Score. Each holds what lenders report to it, so the reports can differ; ask each.

Getting yours free

The Credit Reporting Regulations, 2020 (LI 2394) entitle you to see your own report, free of charge once a year. Contact a bureau through its website or office, prove who you are with your Ghana Card, and ask for your report. Check it once a year, and before you apply for a mortgage or car loan.

If something is wrong

A loan you never took, a debt you paid still showing as owed, or someone else’s record under your name:

  1. Dispute it with the bureau, in writing, with copies of what proves it
  2. a payment receipt, a closure letter, your Ghana Card.
  3. Tell the lender that reported it and ask it to correct its report.
  4. If neither acts, complain to the Bank of Ghana, which supervises both.

A loan in your name that you never took may mean someone used your Ghana Card. Report it to the police and the lender at once.

— Complaining about a bank

Building a good record

Repay on time, keep accounts you do not use closed rather than in arrears, and do not let a dud cheque or a forgotten app loan sit. A short history of small loans paid on time is better than none.

— Loan apps — Cheques