Good morning, Adebayo
Your score updated 3 hours ago. Next refresh in 3 days — keep your rent and mobile money active.
LIVE CREDOLAY SCORE Updated today
712
OUT OF 850
● Very Good↑ +18 this month
POSITION ON SCALE
300580670740850
PoorFairGoodVery goodExcellent
You're in the top 28% of Credolay users. 3 more on-time rent payments push you past 740 — unlocking lower-rate personal loans.
11-MONTH TREND+152 since Jun
JunAugOctDecFebApr
RANGE
300–850
Standard Credolay scale
PERCENTILE
Top 28%
↑ +4 ranks this month
RENT STREAK
7/7
✓ Verified by landlord
What's building your score
Top signals weighted by predictive power
Rent (Credolay Rent)
₦85k/mo · Yaba, Lagos
90/100
First-party
Bank cashflow (Mono)
GTBank · 14 mo tenure
85/100
Open banking
Mobile money (OPay)
4,128 txns · 90d streak
78/100
3rd party
BNPL repayment
2 active plans · 0 missed
77/100
3rd party
Remittance inflow
Inbound · UK · monthly
74/100
3rd party
Airtime & data top-ups
MTN · ₦8.5k/mo avg
71/100
3rd party
Rent is your highest-weight signal
3 more on-time payments will push you past 740 and unlock lower-rate offers.
RECENT ACTIVITYAll →
28 Apr
Today
Rent payment received
₦85,000 verified by landlord · Apr 2026
+12
24 Apr
4 days ago
Mobile money streak: 90 days
OPay activity steady
+4
19 Apr
9 days ago
DSTV bill cleared
₦18,500 paid in full
+2
08 Apr
Apr
Bank balance dipped low
Below 5% of avg for 3 days
-1