• slidebg1
    Ghana's No.1
    Credit Reference Bureau
    Unrivalled Credit Referencing Expertise
    Our able team of specialists has many years of experiences in the credit solutions domain in the world over.
  • slidebg3
    Your Credit Report
    Your Bargaining Power
    Your credit journey on a safe road. Good credit behaviour helps you go places

The Pioneer

We pioneered credit referencing in West Africa by establishing the first credit reporting agencies in Ghana and Nigeria through our extensive feasibility studies and market analysis.

Business Intelligence

We are capable of analyzing data to help enterprise users make better business decisions with our robust business intelligence applications and technologies.

Leader In The Industry

As leader in the industry, we are the most patronized bureau in Ghana with historical information as far back as 2004.

Value To Clients

Helped financial institutions avert bad credit decisions, recover their bad loans and reduced non-performing loans in the banking sector from 18% to 12% as at December 2013.

Credit Information

Credit data from over 300 financial institutions – Banks, Non-Banks, Microfinance, Rural banks etc with over 30 MILLION consumer and 300,000 business credit records.


Principia, South Africa
XDS PTY, South Africa
XDS Credit Bureau, Nigeria
XDS Zimbabwe

World Class Technical Team

With a world class technical team and competence, we can deliver the world class solution that impact on risks associated with lending.

Help & Support

Our staff are willing to gently walk you through any difficulties you may have. From Monday - Friday 8:30am - 5:00pm

Credit Bureau
Our Products
Other Services
Client Portfolio
Social Interactive

Cost Saving Full Integration Faster Rate Of Facility Processing

Managing Your Loan Book With BATCH REPORT

Read More Download Catalog