CRC Credit Bureau Limited is the biggest and one of the only two licensed credit reporting companies in Nigeria. It uses data and algorithms to determine credit worthiness of individuals and companies in Nigeria and works principally with banks and other financial institutions. As its legal advisers, we provided legal advise on privacy and data protection issues, data security and breaches, and reviewed, renegotiated and drafted contracts with third party. Particularly, we reviewed the Biller Aggregation Platform contract between the Client and First Bank Ltd., Data Subscription Agreement with over 250 (Two Hundred and Fifty) clients and the Terms of Agreement between CRC and Sterling Bank Plc as well as Diamond Bank and CRC. Further, we also negotiated and drafted the Credit Reporting Agreement between CRC and Disrupt Analytics technology and the Credit Check Services Agreement between CRC and MTN Nigeria Commercial Limited and Vas2nets Technologies Limited. We further reviewed the business and commercial operations of the client in order to ensure compliance with the Credit Reporting Act, 2017. CRC’s business being a new business solution, we were required to provide advise on novel issues as well as provide novel legal documentation that are apt for both the Client and this rising subsector.