Your Credit.
Clear and Simple.
Get your official credit score, see how lenders view you, and unlock personalized loan offers — all in one secure app.
How ScoreAm Works
Three simple steps to take control of your financial future.
1.Verify Securely
Securely verify your identity using BVN or NIN. Your data is restricted and never shared without consent.
2.See Your Score
Get your official credit score and a full overview of your financial health in seconds.
3.Unlock Smart Offers
See personalized loan and financial offers from regulated partners based on your real credit profile.
See Your Financial Future
ScoreAm doesn’t just show you where you are. It shows you where you can be. Take the guesswork out of credit management.
3–6 Month Prediction
Our AI analyzes your spending and repayment patterns to project your future score.
Personalized Tips
Get actionable advice on which bills to pay first to maximize your score increase.
Apply with Confidence
Know exactly when your score is high enough to qualify for the best interest rates.
AI Prediction Insight
"Apply for the Platinum Credit Card in 3 months for the highest approval probability."
Smarter Loans.
Better Decisions.
We match you with lenders most likely to approve you — saving time and protecting your credit profile.
Carbon
Personal Loan
FairMoney
SME Credit
PalmCredit
Instant Payday
Trust by 50+ Regulated Lenders
Security & Trust
Your data is protected using industry-grade encryption and secure verification systems. Nigeria's most trusted credit platform.
End-to-End Encryption
Your personal and financial data is encrypted using military-grade AES-256 standards.
NDPR Compliant
We strictly follow the Nigeria Data Protection Regulation (NDPR) for your privacy.
Secure Verification
Multi-party identity verification using BVN and NIN to prevent fraud and identity theft.
No Data Selling
We never sell your personal or financial data. We only use it to find you the best offers.
Regulated Partners
We only work with CBN-licensed and regulated financial institutions.
Real-time Monitoring
Continuous fraud monitoring to keep your identity and credit profile safe.
Ready to take control of your financial future?
Join thousands of Nigerians who are already building a better credit profile with ScoreAm.
Get Greater
Peace of Mind.
ScoreAm Protect+ provides advanced security monitoring and real-time insights to keep your financial life bulletproof.
Daily Updates
Get your real-time score every 24 hours while lenders look to see your status.
Advanced Fraud Alerts
Know immediately if someone tries to use your BVN or credit profile.
Dark Web Monitoring
We scan the dark web to ensure your financial credentials remain safe.
Priority Support
Direct line to our expert credit consultants for fast help and guidance.
Are You
A Lender?
ScoreAm is the ultimate bridge between lenders and qualified borrowers. Grow your loan book with confidence.
Pre-qualified Leads
Get access to borrowers who already meet your specific credit score and risk profile.
Fraud Screened
Every applicant is verified via BVN/NIN and scanned for fraud indicators before reaching you.
API Integration
Seamlessly integrate our data into your existing loan management system for instant decisions.
"Using ScoreAm, our conversion rates increased by 40% in just two months."
Frequently Asked Questions
Everything you need to know about ScoreAm and your credit.
Start Your Credit
Journey Today.
Join over 500,000+ Nigerians building a secure financial future. Download the app now and see your real score for free.