FREQUENTLY ASKED QUESTIONS FAQ
What is RAM CREDITHUB and what services do you offer?
RAM CREDITHUB is a retail credit intelligence and debt management hub. We provide credit reporting, debtor data reporting, credit record repair, debt recovery support, and credit advisory services to individuals, landlords, SMEs, and professionals in Nigeria.
How do I request a credit report or service?
You can submit a request through our secure online form, via WhatsApp, or by visiting our walk-in kiosk. Once we receive your details, we process your request and deliver results securely via email or WhatsApp.
Do I need a subscription to access your services?
No. Unlike traditional credit bureaus, RAM CREDITHUB offers one-time, affordable services without any subscription. You only pay for what you need
How secure is my personal or financial information?
Your data security is our top priority. All records are processed confidentially and stored securely, in line with strict privacy and compliance standards.
Can you help me fix a wrong or outdated credit record?
Yes. We help clients dispute inaccurate credit scores, track updates, and follow up with bureaus to restore their credit reputation.
Who can benefit from your services?
Our solutions are designed for landlords, SMEs, cooperatives, peer-to-peer lenders, professionals, and individuals who want to manage credit better or recover debts efficiently.
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How much do your services cost?
Pricing depends on the service. For example, credit reports and debtor data reporting are charged per request, while credit repair and advisory are quoted based on complexity. Contact us for details.
How It Works
- Submit a Request – Via WhatsApp, online form, or walk-in.
- Provide Required Information – We request only what’s necessary.
- Make Payment – Pay per service or based on results.
- Processing – We file with the bureau, follow up, and keep you updated.
- Completion & Feedback – You receive results securely; optional monitoring available.