Folio · 14 · Insights
Notes from
the registry.
Practical writing on verification, trust and the Nigerian market, for landlords, employers, and anyone tired of taking documents at face value.
Why “bring your guarantor” stopped working, and what replaces it
Every Lagos tenancy used to hinge on a guarantor nobody checked. We look at what verified guarantor data changes for landlords, agents and tenants, and why the old ritual was always theatre.
NIN vs BVN: which one actually proves identity?
They’re not interchangeable. When each is the right source, and when you need both.
HIRINGThe real cost of a bad hire in Nigeria, in naira
Beyond salary: re-recruitment, lost productivity and the fraud cases nobody reports.
COMPLIANCENDPA 2023 for employers, in plain language
What the Act actually requires when you collect candidate data, no legal degree needed.
PROPERTYTenant referencing that survives a tribunal
Why a WhatsApp chat with “the last landlord” isn’t evidence, and what is.
TRUSTHow the Trust Score is built, and how to challenge it
Our methodology, the weights, and the dispute route when you think we got it wrong.
FRAUDThe five most forged documents we see
From doctored payslips to “edited” bank statements, the tells our fraud layer catches.
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