It is a second chance from Fido to clear your old debt and start afresh. By paying what you owe, you stop your name and photo from being published in the newspapers and clear your record with the Credit Bureau so you are no longer blacklisted. Once you pay, we help you step-by-step to build your trust again so you can borrow from Fido and other places in the future. How does it work?: Pay the full amount you owe through the Fido App or USSD (*998#) - you can pay at once or installments. Within 72 hours, your name is removed from the blacklist. You will immediately qualify for a new "Credit Builder" loan to help you start borrowing from Fido again.

This means your loan has remained unpaid beyond the allowed period and has reached a serious default stage under Bank of Ghana guidelines.

Your account may be: Reported to Credit BureausEscalated for recovery action Restricted from accessing loans across financial institutions licensed by Bank of Ghana Immediate repayment helps prevent further escalation.

Click “Settle Now” to make a full payment instantly from the Fido App or using *998#. If you’re unable to pay immediately, select “Schedule Payment” to choose a repayment date. If you have any challenges repaying, reach out to us on 0596922420 via call or on Whatsapp.

Yes, choose the “Schedule Payment” option and choose the date you’ll like to complete the repayments. Using the Fido App, you can repay in installments or partial payments until your loan is fully repaid. Full repayment is required to fully clear your account and restore your credit standing.

Once payment is confirmed: Your record will be removed from the list of to be published defaulters You will be given access to take new loans with Fido You will also be able to access credit from other financial institutions Your credit bureau record will be cleared Updates typically reflect within 24–72 hours.

After clearing your balance, you can regain eligibility through the Credit Rebuilder Program. The Credit Rebuilder Program is a second chance from Fido to clear your old debt and start afresh. By paying what you owe, you stop your name and photo from being published in the newspapers and clear your record with the Credit Bureau so you are no longer blacklisted. Once you pay, we help you step-by-step to build your trust again so you can borrow from Fido and other places in the future. How does it work?: Pay the full amount you owe through the Fido App or USSD (*998#) - you can pay at once or installments. Within 72 hours, your name is removed from the blacklist. You will immediately qualify for a new "Credit Builder" loan to help you start borrowing from Fido again.

Please contact Fido Support immediately, so we can review your case, through: Live Chat on the Fido App Live Chat on Whatsapp Phone Call on 0596922420 Email at info.gh@fidocredit.com.