Credit Bureau in Uganda

Understanding your credit score is essential for getting approved for loans in Uganda. Learn how credit bureaus work and how to check your credit report.

What is a Credit Bureau?

A Credit Reference Bureau (CRB) in Uganda is licensed by the Bank of Uganda to collect and share credit information. Banks, SACCOs, microfinance institutions, and mobile money lenders use this information to decide whether to approve your loan applications.

Your credit history with MoKash, Wewole, and bank loans all contribute to your credit score. A good score means better loan terms and higher limits.

Licensed Credit Bureaus in Uganda

Compuscan CRB Uganda

https://www.compuscan.co.ug

Services:

✓ Individual Credit Reports
✓ Business Credit Reports
✓ Credit Scores
✓ Identity Verification

How to Check:

Visit Compuscan offices in Kampala, call +256 312 518 400, or use their mobile app

Metropol Credit Reference Bureau

https://www.metropol.co.ug

Services:

✓ Credit Reports
✓ Credit Scores
✓ Financial Health Reports

How to Check:

Visit their office or register online for instant access

How to Check Your Credit Score in Uganda

Visit CRB Office

Go to Compuscan office with your National ID or Passport

Fill Request Form

Complete the credit report request form

Pay Fee

Pay UGX 10,000 - 20,000 processing fee

Get Report

Receive your credit report same day or within 24 hours

Tips to Improve Your Credit Score

✅ Pay MoKash and Wewole loans on time
✅ Clear all outstanding debts
✅ Keep mobile money account active
✅ Build gradual credit history

❌ Avoid defaulting on any loan
❌ Don't borrow more than you can repay
❌ Avoid multiple loan applications at once
❌ Don't ignore debt collection notices

Frequently Asked Questions

How long does negative information stay on my credit report?

In Uganda, negative credit information stays on your report for up to 5 years from the date of settlement or default.

Can I dispute errors on my credit report?

Yes, contact the CRB directly with evidence of the error. They must investigate and respond within 30 days.

Do mobile money loans affect my credit score?

Yes, MoKash, Wewole, and other mobile loans report to credit bureaus. Your repayment behavior directly affects your score.

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