No. They have a way of knowing the credit score.
When you have a good score with other apps, you get different calls from different apps giving you access to loans because they are aware you can afford to pay them back.
There is one particular app I had that after payment couldn't gain access to loans anymore. Initially, I did not understand why.
But when I checked closely, I discovered, they had other information including the fact I have a particular loan app I had defaulted and was yet to pay back.
So, although I had a good standing with them. My credit score was affected because of the pending payment on the other one.
So, no, you are wrong, well-established apps like Carbon have that information on people's credit scores.
Of a truth, Nigeria does not have a unified metric credit score system. If this was the case, loan apps wouldn't be the only lenders in business. There are private metrics here and there and sometimes it might be difficult to establish an exact metric. My focal point was that Nigeria had no unified metric system and that's why we have these sharks taking advantage of that national failure to create a lucrative sector for themselves.