Credit Bureaus
How Nigerian Credit Bureaus Collect and Share Loan App Data
Loan apps move fast. Money lands in your account within minutes. What many borrowers do not realise is that the same transaction often feeds straight…
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Don't get bitten
by loan apps.
Shame messages, hidden fees, midnight calls — know your rights, fix your credit record and borrow on your own terms. Free, plain-language guides built for Nigerian borrowers.
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The toolkit
Everything you need to fight back
Nine practical missions — from stopping harassment tonight to reading your credit report like a lender.
01
How Nigerian Credit Bureaus Collect and Share Loan App Data
Loan apps move fast. Money lands in your account within minutes. What many borrowers do not realise is…
Open guide 02Loan App Permissions Explained: What Contacts, SMS and Photos Really Reveal
Every permission you grant at install is ammunition for a later dispute. What each loan-app permission actually exposes…
Open guide 03Protect Yourself: How to Stop Loan App Harassment
Shame messages, midnight calls, threats to your family list — here is a calm, step-by-step playbook for making…
Open guide 04How to Document and Report Loan App Abuse
Strong complaints are built like case files: dates, screenshots, names, amounts. Here is exactly what to collect and…
Open guide 05Send a Formal Warning Notice to a Loan App
A polite but firm letter — delivered the right way — often ends harassment faster than a hundred…
Open guide 06Your Rights as a Borrower: What Loan Apps Can and Cannot Do
The plain-language version of your protections: fair terms, privacy, dignity — and the collection tactics that are simply…
Open guide 07Credit Bureaus in Nigeria: Who They Are and What They Do
Four licensed bureaus quietly score your financial life. Know who they are, how the scoring works, and your…
Open guide 08When to Speak to a Lawyer About Loan App Harassment
Most cases end with a letter, not a lawsuit. But some situations deserve a lawyer — here is…
Open guide 09How to Check Your Credit Report in Nigeria (Free and Paid Routes)
You are entitled to see what lenders see about you. Here is how to pull your report from…
Open guide 10Understanding Your Loan Agreement Before You Tap “Accept”
That 14-day, ₦20,000 loan can quietly cost 30% in fees. Learn the six terms that decide whether a…
Open guide01
Learn your rights
What lenders may legally do — and the shame tactics that cross the line.
02
Document everything
Screenshots, dates, receipts. Turn abuse into an evidence file regulators act on.
03
Report & recover
File the right complaints, clear your record, and rebuild on clean data.
The library
Latest guides
Legal Help
How to Sue a Loan App in a Nigerian Court: A Step-by-Step Guide
When complaints fail, court is the next lever. How to choose the right court, file on a budget, prove your case and enforce the judgment.
Rights & Protection
Loan App Permissions Explained: What Contacts, SMS and Photos Really Reveal
Every permission you grant at install is ammunition for a later dispute. What each loan-app permission actually exposes — and how to grant the minimum.
Smart Borrowing
How to Calculate the Real Cost of a Loan Before You Tap Accept
A 14-day loan at "just 30%" costs over 700% a year. The two-minute arithmetic that shows what a loan truly costs before you accept it.
Legal Help
Free and Low-Cost Legal Help for Loan-App Borrowers in Nigeria
You do not need a senior advocate to fight a loan app. Where to find legal aid, law clinics, pro bono schemes and fixed-fee help…
Rights & Protection
How to Legally Stop a Loan App’s Endless Calls and Messages
Twelve calls a day is not collection — it is harassment. The written no-contact instruction, the escalation ladder, and the evidence trail that ends the…
Harassment is their tactic.
Documentation is your weapon.
Education, not legal advice. LoanShield Review is an independent project. We are not a lender, a law firm or a government agency — always confirm requirements on official regulator websites before acting.