Sheba Credit Exit
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Account
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Identity
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Consent
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Done
Step 1 of 4

Create your account

Start with your details. You'll verify your identity in the next step to unlock your real credit profile.

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Step 2 of 4

Verify your identity

Sheba Credit anchors every credit file to your verified national identity. This confirms you are who you say you are and keeps your profile secure.

Verify with Fayda
Fayda is Ethiopia's national digital ID. You'll confirm your identity directly on Fayda's secure system — Sheba Credit never sees your PIN or biometrics.
  • Confirms your legal name, date of birth and address
  • Protects you from identity fraud
  • Required by Ethiopian regulation for a real credit file
You can browse your dashboard without verifying, but your score and offers will be illustrative until you complete this step.
Step 3 of 4

Your data, your consent

Before we build your credit profile, please confirm how Sheba Credit may use your information.

Sheba Credit collects and processes your verified identity data and the financial information you provide in order to calculate your Sheba Credit Score. Your data is stored securely and encrypted. We will only share your credit score and report with licensed financial institutions when you apply for credit with them, or when they are required to assess you under National Bank of Ethiopia Directive CRB/02/2019. You may request access to, correction of, or deletion of your data at any time. We never sell your data.
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Welcome to Sheba Credit

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