Let us be absolutely clear about this because these predatory apps often use threats of "credit bureau reporting" as a fear tactic to force payment.

How legitimate credit bureaus actually work:

Credit bureaus (such as CRC Credit Bureau, First Central Credit Bureau, and others in Nigeria) are regulated financial institutions that collect and maintain credit information from licensed financial entities. When a legitimate bank, microfinance bank, or registered lender reports a borrower's payment behavior, that information becomes part of the borrower's credit history and can affect future borrowing ability.

Why this app cannot report you:

Illegal and unlicensed loan apps do not have any relationship with official credit bureaus. They cannot report you because:

• They are not registered with the Central Bank of Nigeria (CBN) or any legitimate financial regulator
• They do not have the legal standing to participate in the formal credit reporting system
• They operate entirely outside the regulated financial ecosystem
• The credit bureaus would not accept data from an unlicensed, illegal operation

What they are actually threatening you with:

When they say "we will report you to the credit bureau," they are lying. They have no ability to do this. What they might do instead is:

• Add your name to their own internal blacklist that they share with other illegal loan apps
• Threaten to publish your information (which is a crime)
• Claim they have "filed a report" that will affect your credit (they have not)

The bottom line: This application cannot touch your official credit score. Their threats about credit bureaus are empty intimidation tactics designed to make you panic and pay. Do not fall for it.