Ranked Verify · fact-check series
Did that viral claim about a Nigerian business actually check out?
Every Ranked Verify follows the same five-step structure — Claim, Source, Context, Spread, Verification — so the verdict is auditable. We focus on claims that affect what Nigerians choose to buy, borrow, or trust.
The methodology
Five steps. Same order. Every piece.
01
Claim
Exact quote of what was alleged.
02
Source
Who said it, where, when — linked.
03
Context
What the full picture actually looks like.
04
Spread
How widely the claim circulated.
05
Verification
Methodology used to reach the verdict.
Verdict vocabulary
We use a fixed five-label vocabulary so every fact-check is comparable.
- True
The claim is substantively accurate.
- False
The claim is contradicted by primary evidence.
- Misleading
The claim is technically defensible but framed to imply something untrue.
- Mixed
Parts of the claim hold up; other parts don't.
- Unproven
Evidence is insufficient on the public record to confirm or refute.
Published fact-checks
- FalseFinance24 May 2026
Are all loan apps on the Nigerian Play Store unlicensed?
False — a meaningful fraction of Play Store loan apps are FCCPC-approved and CBN-licensed.
Read the full check
- MixedFinance22 May 2026
Can your BVN be used to take a loan in your name without your consent?
Mixed — BVN alone is not sufficient, but combined with NIN and account access it has been used in documented fraud cases.
Read the full check
- MisleadingHealth18 May 2026
Do Nigerian HMOs really reject 70% of claims?
Misleading — published NAICOM data on Nigerian insurers shows significantly higher pay-out rates than 30%, though specific HMOs do underperform.
Read the full check
Tip a claim
Seen a viral claim about a Nigerian business?
Email [email protected] with a link to the claim, the platform, and your reading of why it deserves a check. We prioritise claims that materially affect what people buy, borrow, or trust.