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A few days ago I received a call from Metropol CRB Kenya. It wasn’t anything to do with feedback on how to Check CRB status in Kenya. (Before today, I googled that a lot). I admit.
Neither was it something to do with my credit report monitoring.
Rather, it was a social call.
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I’d call it a business-to-business call.
Apparently, some borrower (one Mr. Mwangi) was at CRB offices in Nairobi seeking to clear his name from a debt he’d taken way back in 2014 from a company I worked for (AFB KENYA).
He did not pay back his installments in full because the lending company ceased operation in Kenya.
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And he thought, wow – if AFB isn’t working in Kenya anymore, why don’t I just stop paying the loan?
Bad Decision!
Four years later, this borrower is at CRB seeking to clear his name because apparently, he now has a child who is to join high school.
The worst is, he doesn’t have enough money for admission but a good Masomo loan limit with KCB; who by the way insists that he clears his name with CRB before he gets the loan.
What he doesn’t know is, even after clearance, KCB will deny him the promised loan because it will take a while to update the new status.
I helped him clear his name though.
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And here’s the thing – for those who have AFB loans from 2014 – these debts were sold to Nimble a credit management company in Nairobi.
You should pay them to clear your names off the blacklist.
Should you check CRB status and find out that you were listed by this lender, contact them as below.
Nimble Kenya Contacts.
Tel: 00 (254) 205 135 500.
Location – Mogotio Road, 4th Floor Tower A, Reliable Towers, Nairobi, Kenya.
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a). How to Check CRB Status In Kenya (CRB checker).
Kenya has three licensed credit reference bureau (CRB) companies.
– TransUnion.
– Metropol.
– CreditInfo.
To view your credit information you will need to register with either of the CRB companies (Credit Reference Bureau Kenya Limited Nairobi).
However, I’d recommend that you register with all of them because there is uncertainty if a lender will send your report to one or to all the companies.
But which process should you follow to register and view your listing instantly?
In this guide, we discuss all the possible options in Kenya.
How to Check Your CRB Status for FREE
There are three licensed CRBs in Kenya that collect and provide credit information to lenders and borrowers. They are:
- TransUnion
- Metropol
- CreditInfo
Each of these CRBs has its own way of registering and providing credit reports and scores to customers. However, they all charge a fee for some of their services, such as getting a clearance certificate or a detailed credit report.
Fortunately, there is a way to check your CRB status for free from any of these CRBs.
According to the Credit Reference Bureau Regulations 2020, every customer is entitled to one free credit report per year from each CRB. This means you can get up to three free credit reports per year from the three CRBs.
To check your CRB status for free, you need to follow these steps:
- Choose the CRB you want to check your status from. You can choose any of the three CRBs, or check from all of them if you want to compare your credit reports and scores.
- Register with the CRB by providing your personal details, such as your name, ID number, phone number, and email address. You may also need to pay a one-time registration fee of Ksh 50 via M-Pesa or other payment methods.
- Request for your free annual credit report from the CRB. You can do this by dialing a USSD code, sending an SMS, using an app, or visiting their website. You will receive a confirmation message with a link or a code to access your credit report.
- Download or view your credit report online or offline. You will need to enter your phone number and the link or code you received in Step 3. Your credit report will show your personal details, credit history, credit score, and listing status.
- Check your listing status on your credit report. Your listing status will indicate whether you are listed as positive (good) or negative (bad) by the CRB. If you are listed as positive, it means you have no defaults or arrears on your loans and bills. If you are listed as negative, it means you have defaults or arrears on your loans and bills that exceed 90 days.
- Check your credit score on your credit report. Your credit score is a numerical value that ranges from 200 to 900 which represents your creditworthiness. The higher your credit score, the better your chances of getting approved for loans at lower interest rates and fees. The lower your credit score, the worse your chances of getting approved for loans at higher interest rates and fees.
i). How to Check CRB Status in TransUnion.
To access CRB services you can either download the CRB Nipashe App -where you will find all the services; via SMS number 21272 or through the TransUnion Website.
ii). How to Register With TransUnion Via SMS.
It’s easy as 1,2,3.
Send your full names to 21272.
Send your ID number.
Choose credit status (abbreviated as CC).
You will receive your feedback as either good (Glodlisted) or default (Blacklisted).
b). How to Access a Clearance Certificate From TransUnion (If You Are Blacklisted).
TransUnion issues clearance certificates to defaulters if you pay Ksh. 2,200 to Paybill number 212121 and show them proof of transaction. You can do that by sending your Mpesa transaction message to [email protected].
Make sure to use your ID number as your account number.
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Should you want to receive more than one credit report per year, you will pay Ksh. 650 to TransUnion PayBill number – 212121.
TransUnion CRB Contact Information.
Address.
P.O BOX 46406-00100 – Nairobi.
Fax: +254 – 020 – 3751344.
Phone Numbers:
+25730651000.
+254 020 3751799.
Email Info.
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– How to Check CRB Status in Metropol CRB Kenya.
Download the Metropol CRB App on the Play Store to access all CRB services. Through the Metropol CRB Website. Or through the Metropol CRB USSD code *433#.
How to Register With Metropol CRB Kenya.
Go to Mpesa Paybill to pay Ksh. 50 registration fee to Metropol CRB Paybill number 220388.
After registration, you will receive an SMS with your PIN, a reference number, and a special link.
Use the PIN when accessing CRB services via the Metropol CRB USSD code.
Other Services That You Can Access at Metropol CRB and Fees.
Check your credit score for Ksh. 150 only.
If you are listed in CRB your credit score may come as 200 or slightly above 200 which means that you can not be trusted with any loan.
Should you check your credit score and get a reply of 400 or anything above that, it means you can get a loan. But you aren’t the best person to trust with huge amounts.
Scores greater than 600 means you are a very trustworthy borrower. You pay back your loans on time. And that’s a good thing. Keep it up.
You can also get a full credit report from CRB for only Ksh. 250
Find out who sent you to CRB by paying Ksh. 50 to Metropol CRB Paybill number 220388
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- $10 minimum deposit
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If you are blacklisted, pay Ksh. 2,200 to get a clearance certificate. Of course after clearing your loan.
Metropol CRB Contact Information.
Address.
Metropol CRB Kenya.
P.O BOX 35331-00200 Nairobi.
Facebook: @Metropol CRB.
Contact.
Phone number: 0709 834000.
How to Check CRB Status Online With CreditInfo CRB.
Visit the CreditInfo website and sign up to receive a free credit report and monitoring for one year.
However, you will pay Ksh. 350 if you want to receive another credit report over the same period.
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You may also opt to receive a monitoring report of your financial services for only Ksh. 650.
Don’t forget to attach a clear copy of your ID when using this CRB option.
Possible Loan Apps That May Blacklist Your Credit Info.
- HF Whiz Loan Apps.
- Tala Loan App.
- Branch Loan App.
- Fadhili Loan App.
- Okash Loan App.
- Saidika Loans.
- Chap Chap Loans.
- Shujaa Loans.
- Chap Chap Loans.
- M-Jamii Loans.
- Tumaini Loans.
Contact CreditInfo.
Physical Address.
Park Suites, Office 12, Second Floor,
Parklands Road,
PO Box 38941-00623.
Parklands, Nairobi.
Tel: +254 20 375 7272.
E-mail: [email protected].
How to Improve Your CRB Status
If you have checked your CRB status and found out that you have a bad listing or a low credit score, don’t panic. There are ways to improve your CRB status and restore your creditworthiness.
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Here are some tips on how to improve your CRB status:
- Pay off any outstanding debts that you owe to lenders or service providers as soon as possible. This will help you clear your name from the blacklist and improve your payment history.
- Negotiate with your lenders or service providers for a repayment plan that suits your financial situation. This will help you avoid missing payments or defaulting on your loans and bills.
- Avoid taking too many loans or using too much of your available credit limit. This will help you reduce your debt-to-income ratio and maintain a healthy credit utilization rate.
- Check your credit report regularly for any errors or discrepancies that may affect your credit score. If you find any, report them to the CRB and the relevant lender or service provider for correction.
- Apply for a clearance certificate from the CRB once you have cleared all your debts and improved your credit score. This will help you prove to potential lenders that you are a responsible borrower and have no pending issues with the CRB.
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