At D&B, you have the power to make a real impact. We passionately believe that a great team is greater than the sum of its parts. Recruiting talented individuals is only part of the story. It's how we challenge, encourage, develop and combine our talent that makes the difference. We believe we have a world class company because not only do we recruit great individuals, we provide an environment which enables them to develop new skills and gain feedback on their contribution as team members. This investment in our people is not altruistic – it is an investment in our brand and our business. As a result our employees feel valued, perform better, and stay longer.

We take development seriously at all levels, and provide career opportunities which literally span the globe. Our ambition at Dun & Bradstreet Credit Bureau Limited Ghana is to build an ever more agile, customer and quality focused business. We can only do this with a team which is ambitious for success, is comfortable being stretched, and which collectively enjoys the journey. We are prepared to invest in that – we hope you are too.

We value the diversity of perspectives that results from a variety of life experiences, ethnicity, age, gender and all cultural backgrounds. Ours is a culture where all associates are able to grow, develop and contribute to their fullest. At D&B, we believe people's differences are our strengths, their ideas, our assets. It just makes good business sense: a company where people feel included and valued is a company that is ready to solve its customers' business challenges. We're always striving to be a better company to work for, and a better company to do business with.

If you are interested in becoming a part of our winning team, send your CV with a note on why we should select you to


At Dun and Bradstreet, we understand that getting access to credit and good credit information are some of the biggest challenges individuals and businesses face. That is why we have designed our products and services to help you overcome these challenges and make better business decisions.

So, it does not matter if you are an individual seeking to improve your creditworthiness or, a financial intermediary looking for ways to optimize your lending and proactively manage the risk of doing business, you will find our products and services very valuable.

Our suite of products and services include:

Consumer Credit Information Report

Lending to private individuals can be a challenging process. Without sufficient and reliable information on the credit applicant’s true identification, loan repayment history and, employment status, doing business could be risky. Our Consumer Credit Information Reports provide the most up-to-date information about individuals and their financial experiences. Thus, enabling you gain insights that help you identify creditworthy applicants and better manage the risks of doing business.

Commercial Credit Information Report

Dun and Bradstreet Credit Information Report on commercial (or non-individual) credit seekers, provides information on the credit status of commercial entities, the number of loans to which they are exposed and the guarantors of such loans (if any).

Data Sourcing

Data sourcing is the anchor of our business and we understand this very clearly at Dun & Bradstreet. That is why we apply the most stringent procedures in gathering, analysing and converting all data collected, into a format that is reportable, clear concise and true. To guarantee that our sources remain uncompromised, we routinely apply our data-audit procedure to sources of our data. We do all these so that you can decide with confidence. Sources of our data will include:

  • Banks and other financial intermediaries
  • Non-banking financial institutions
  • Public registries
  • Government agencies
Consulting Services

Success in business comes from doing many things right but most importantly, it comes from having the right advisors and partners. At Dun & Bradstreet, we consider ourselves your success partners. We offer advisory services that are bespoke to your business needs and that won’t create a hole in your wallet. Without specific limits, our consultancy services include:

  • Data cleansing
  • Data enrichment
  • Data verification and validation

What is a Credit Bureau?

A Credit Bureau is an organization that compiles information relating to the identity, public record, legal history, credit transaction and credit history of Individuals and Commercial Entities.

A Credit Bureau is an essential element of the country’s financial infrastructure as it facilitates access to finance. Credit Bureaus assist in a stable financial sector, by providing better credit availability and improving credit risk management, in addition to providing sound information on the health of the financial sector. It also decreases information asymmetry between borrowers and lenders (the fundamental issue where the borrower knows the likelihood of repaying his or her debts much better than the lender does).

The Credit Bureau provides this information to contracted, eligible subscribers, in the form of Credit Information Reports pertaining to Individual and/or Commercial borrowers.

Types of Credit Bureaus

Depending on the regulatory environment, the availability of and willingness to share credit information by data owners and the technological maturity of the market, the following types of Credit Bureaus may be established:

Basic Credit Bureau

Negative credit information only

Full Credit Bureau

Negative and Positive credit information

World Class Credit Bureau
  • Negative credit information
  • Positive credit information
  • Public or third party information (electoral rolls, registries, courts, immigration etc)
  • Value added products such as Fraud Detection, Account Monitoring of Individual and Commercial Entities’ Credit Reports, Credit Scoring and so on
  • Risk management consultancy
Characteristics of a Credit Bureau

A Credit Bureau is characterized by the following:

It does not make the decision whether to grant or decline an application for credit. It focuses primarily on supplying factual credit related data to lenders, to be incorporated into their credit assessment process in combination with the lenders internal credit policies and rules

A Credit Bureau is not a provider of a ‘Blacklist’ or a ‘Negative List’ of borrowers. Although some Credit Bureaus may start from the point of collecting default (negative) data only, the intention is to move to collecting a comprehensive view (positive and negative data) of an Individual’s or Commercial Entity’s credit history

Data Providers (also called Members) contribute credit information pertaining to their borrowers on a regular basis, usually monthly. The data received by the Credit Bureau is validated prior to it being loaded into its system. Over time the credit history of the borrowers is built, providing a rich source of factual credit utilization and repayment performance data which is very indicative of credit behavior

A Credit Bureau may also collect data from Public or Third Party sources such as address data, national identity data, voters or electoral rolls data. This data is typically used for verification or fraud prevention. Courts’ judgment (suits) data may be used in the credit granting process since it is indicative of the financial standing of the borrower

In principle, the Credit Bureau manages the data and does not alter data records received from Members or third parties, unless this is done with their express permission. This activity is strictly controlled and closely audited

Use of a Credit Bureau services allows Members to review lenders credit utilization, their level of indebtedness as well as their commitment to repaying their credit obligations including missed or erratic payments, as well as identifying willful defaulters or possible fraud

A Credit Bureau enables the confidentiality of Members’ data as well as the data privacy of borrowers

Benefits of a Credit Bureau

The following are some of the benefits of having a Credit Bureau:

To Lenders
  • Helps to sort bad borrowers from good ones
  • Saves time spent on borrower evaluation
  • Reduces the cost of screening borrowers
  • Prices loans adequately in accordance with the risk of the borrower
  • Reduces overall system risk
To Borrowers
  • Helps to build reputation collateral i.e. a history of responsible credit lending
  • Provides access to credit to deserving borrowers
  • Rewards good borrowers by easing access to credit, lower interest rates and so on
  • Enables borrowers to monitor and improve their credit records
To Regulators
  • Helps to monitor efficient allocation of credit
  • Provides comprehensive and constantly updated data on borrowers and lenders - effective credit risk monitoring for the economy
  • Facilitates credit expansion without compromising on the quality of credit
  • Reduces Non Performing Loans and the probability of defaulting on loans, in the economy
Fundamental Operating Principles of a Credit Bureau

Fundamental operating principles underpin the successful functioning of any Credit Bureau. These operating principles are:

The Principle of Reciprocity
  • Data may be accessed based on the data being supplied by the lender. A lender supplying only negative data may access only negative data, a lender supplying positive and negative data may access positive and negative data
The Principle of Neutrality
  • Equal treatment for all Individual and Commercial entities
  • Provide only factual credit related and demographic data (name, ID or passport number, date of birth, gender, address and contact details) or firmographic data (name, license or registration number, address and contact details)
  • No opinions are formed or made regarding the creditworthiness of borrowers
Efficient Dispute Handling
  • A borrower has the right to access and review his/her own Credit Information Report at a reasonable fee
  • A record of who has received the Credit Information Report must be kept
  • The borrower has the right to challenge any data in the Credit Information Report and to the correction of any errors
  • Right of redress to any lender who has received an erroneous Credit Information Report
Security Standards
  • Confidentiality and privacy of information must be enabled
  • Provide a secured environment, both physical (CCTV, access control to offices and computer rooms) and logical (firewalls, intrusion detection, password access)
  • Only authorized lenders or Credit Bureau personnel may access the credit information
  • Credit Information Reports may only be used for authorized purposes
Critical Success Factors of a Credit Bureau

In order for a Credit Bureau to be successful the following key factors must exist:

  • Advanced technologies underpinning the operation of the Credit Bureau
  • Rich sources of data
  • Full and regular sharing of data
  • Data accuracy and completeness
  • Diverse value added products
  • A sound legal framework

Know your Rights

One of the fundamental principles underpinning the successful operation of any Credit Bureau is efficient dispute handling. Credit Bureaus invest a lot of time and money in order to provide state-of-the-art quality and validation processes for any data received from a lender or data provider.

Since lenders make critical decisions based on the Credit Information Report received from a Credit Bureau, it speaks for itself that the information contained therein should be factual and correct. Should a borrower believe that there is an error in their Credit Information Report, he/she must approach the Credit Bureau to register a dispute.

How to register a dispute

The borrower should follow the below process in order to register a dispute:

  • Approach the Inquiry Service Unit of Dun & Bradstreet Credit Bureau Limited (“DBCBL”). Location details are provided in Contact Us
  • Request a copy of the Credit Information Report by completing a Self Enquiry Request form. The borrower should note that the first report in a twelve month cycle is free of charge. Subsequent reports, except in a case of correction, will be charged at a nominal fee
  • Positive proof of identity and consent will be required before the Credit Information Report is released
  • Carefully review the Credit Information Report. The borrower should note that DBCBL updates their information throughout the month. Where the Credit Information Report still reflects the last month’s account balances, it is not considered an error
  • Should the borrower find an error on the Credit Information Report, the borrower should complete a Dispute Registration form, clearly stating what the error is. Providing documentary evidence to support the dispute would be an advantage
  • DBCBL Inquiry Service Unit will review the Dispute Registration form and if all details are complete, register the dispute on the Credit Information Report
  • If after investigation of the dispute by DBCBL and/or the data provider a valid error is found to exist, the error will be corrected. Where no valid error is found to exist, the dispute will be rejected and removed from the Credit Information Report. The borrower will be notified of the outcome and presented with a copy of any credible evidence supporting the conclusion
  • The borrower should note that where the error was made by DBCBL, the error will be corrected within a reasonable time. However, where the error was made by the data provider, the borrower should direct the dispute to the data provider. The data provider must correct the data within their own system first and then send an updated record to DBCBL for correction
  • Once the error has been corrected the dispute will be removed from the Credit Information Report
  • A new Credit Information Report, reflecting the correction, will be supplied to the borrower. The borrower should note that this report is free of charge