Ngaba ndifakwe kuluhlu olumnyama? Ungasijonga njani imeko yeCRB kwaye ucace eKenya

Iintsuku ezimbalwa ezidlulileyo I Ufumene umnxeba ovela kwi-Metropol CRB Kenya. Yayingeyonto inokwenza nengxelo ngendlela yokujonga imeko yeCRB eKenya. (Ngaphambi kosuku lwanamhlanje, ndiye ndazijonga kakhulu). Ndiyavuma.

Kwakungeyonto inento yokwenza nokujonga ingxelo yam ngetyala.

Endaweni yoko, yayiyifowuni yokuncokola.

Ndingawubiza umnxeba weshishini ukuya kwishishini.

Kuyabonakala ukuba, omnye umboleki (omnye uMnu. Mwangi) wayekwii-ofisi zeCRB eNairobi efuna ukucima igama lakhe kwityala awayelithathe ngo-2014 kwinkampani endandiyisebenzela (AFB KENYA).

Akakhange azihlawule ngokupheleleyo izavenge zakhe kuba inkampani ebolekisayo iyekile ukusebenza eKenya.

Kwaye wacinga, wow – ukuba i-AFB ayisasebenzi eKenya, kutheni ndingavele ndiyeke ukuhlawula imali-mboleko?

Isigqibo esibi! 

Kwiminyaka emine emva koko, lo mboleki use-CRB ufuna ukucoca igama lakhe kuba ngoku kubonakala ukuba unomntwana oza kungena kwisikolo samabanga aphakamileyo.

Okona kubi kukuba, akanamali yaneleyo yokwamkelwa kodwa unemali mboleko ye-Masomo elungileyo ne-KCB; othi ngendlela anyanzelisa ukuba acoce igama lakhe kwi-CRB ngaphambi kokuba afumane imali-mboleko.

Into angayaziyo kukuba, nasemva kokuba ekhululekile, i-KCB iyamkhanyela imali mboleko ethenjisiweyo kuba kuya kuthatha ixesha ukuhlaziya inqanaba elitsha.

Ndimncedile ukuba acoce igama lakhe nangona.

Nantsi ke into-kwabo banemali-mboleko ye-AFB ukusukela ngo-2014- la matyala athengiselwa uNimble inkampani yolawulo lwamatyala eNairobi.

Kuya kufuneka ubahlawule ukuze ucime amagama akho kuluhlu lwabamnyama.

Ukuba ujonga inqanaba leCRB kwaye ufumanise ukuba udwelisiwe ngulo mbolekisi, nxibelelana nabo njengezantsi.

Abafowunelwa baseNimble Kenya.

Umnxeba: 00 (254) 205 135 500.

Indawo -UMogotio Road, uMgangatho we-4 weNqaba u-A, iTowers ethembekileyo, eNairobi, eKenya.

a). Usijonga njani imeko ye-CRB eKenya (umkhangeli weCRB).

IKenya ineenkampani ezintathu ezinelayisenisi yokuthenga ngetyala (CRB).

-ITransUnion.

- KwiMetropol.

Ulwazi ngetyala. 

Ukujonga ulwazi lwakho lwetyala kuya kufuneka ubhalise kwenye yeenkampani zeCRB (Credit Reference Bureau Kenya Limited Nairobi).

Nangona kunjalo, ndingacebisa ukuba ubhalise kubo bonke kuba akukho mathandabuzo ukuba umbolekisi uyakuthumela ingxelo yakho kwenye okanye kuzo zonke iinkampani.

Kodwa yeyiphi inkqubo ekufuneka uyilandele ukubhalisa kwaye ujonge uluhlu lwakho ngoko nangoko?

Kwesi sikhokelo, sixoxa ngazo zonke iindlela ezinokubakho eKenya.

Ungasijonga njani isimo sakho seCRB SIMAHLA

Kukho iiCRB ezintathu ezinelayisenisi eKenya eziqokelela kwaye zibonelele ngolwazi lwetyala kubabolekisi kunye nababoleki. Bazi:

• TransUnion
• Kwisixeko
• CreditInfo

Nganye kwezi CRBs inendlela yayo yokubhalisa kunye nokubonelela ngeengxelo zetyala kunye namanqaku kubathengi. Nangona kunjalo, bonke babiza umrhumo kwezinye zeenkonzo zabo, ezinjengokufumana isatifikethi sokucoceka okanye ingxelo yetyala eneenkcukacha.

Ngethamsanqa, kukho indlela yokujonga imeko yakho ye-CRB simahla kuyo nayiphi na kwezi CRBs.

NgokweMigaqo ye-Credit Reference Bureau ka-2020, wonke umthengi unelungelo lengxelo yetyala enye yasimahla ngonyaka kwi-CRB nganye. Oku kuthetha ukuba ungafumana ukuya kuthi ga kwiingxelo zetyala ezintathu zasimahla ngonyaka kwii-CRB ezintathu.

Ukujonga imeko yakho yeCRB simahla, kufuneka ulandele la manyathelo:

1. Khetha iCRB ofuna ukujonga isimo sakho kuyo. Unokukhetha nayiphi na kwezi CRB zintathu, okanye ujonge kuzo zonke ukuba ufuna ukuthelekisa iingxelo zakho zetyala kunye namanqaku.
2. Bhalisa kwi-CRB ngokubonelela ngeenkcukacha zakho zobuqu, njengegama lakho, inombolo ye-ID, inombolo yefowuni, kunye nedilesi ye-imeyile. Kusenokufuneka uhlawule umrhumo wexesha elinye we-Ksh 50 nge-M-Pesa okanye ezinye iindlela zokuhlawula.
3. Isicelo sengxelo yakho yetyala yonyaka yasimahla kwiCRB. Unokwenza oku ngokucofa ikhowudi ye-USSD, ukuthumela iSMS, usebenzisa i-app, okanye undwendwele iwebhusayithi yabo. Uya kufumana umyalezo wokuqinisekisa ngekhonkco okanye ikhowudi yokufikelela kwingxelo yakho yetyala.
4. Khuphela okanye ujonge ingxelo yakho yetyala kwi-intanethi okanye ngaphandle kweintanethi. Kuya kufuneka ufake inombolo yefowuni yakho kunye nekhonkco okanye ikhowudi oyifumene kwiNyathelo 3. Ingxelo yakho yekhredithi iya kubonisa iinkcukacha zakho zobuqu, imbali yekhredithi, amanqaku ekhredithi, kunye nesimo soluhlu.
5. Jonga imeko yoluhlu lwakho kwingxelo yetyala lakho. Ubume bakho boluhlu luya kubonisa ukuba udweliswe njengolungileyo (olungileyo) okanye ongalunganga (ombi) yi-CRB. Ukuba udweliswe njenge-positive, oko kuthetha ukuba awunakusilela ekuhlawuleni okanye usemva kwimali-mboleko kunye namatyala akho. Ukuba udweliswe njengenegative, oko kuthetha ukuba unentsilelo okanye usemva kwimali-mboleko yakho kunye namatyala adlula iintsuku ezingama-90.
6. Jonga amanqaku akho ekhredithi kwingxelo yakho yekhredithi. Amanqaku akho ekhredithi lixabiso lamanani ukusuka kwi-200 ukuya kwi-900 elimele ukufaneleka kwakho ngetyala. Okukhona liphezulu amanqaku akho etyala, kokukhona angcono amathuba akho okufumana iimali-mboleko ngamazinga asezantsi enzala kunye nemirhumo. Okukhona esezantsi amanqaku akho etyala, kokukhona abe mabi amathuba akho okufumana imvume yokuboleka imali kwinzala ephezulu kunye neentlawulo.

i). Ujongwa njani ubume beCRB kwiTransUnion. 

Ukufikelela kwiinkonzo zeCRB unokukhuphela ifayile ye Inkqubo yeCBB yeNipashe -Uya kufumana zonke iinkonzo; ngeSMS inombolo 21272 okanye ngeTransUnion Website.

ii). UBhalisa njani ngeTransUnion ngeSMS.

Kulula njenge 1,2,3. 

Thumela amagama akho apheleleyo ku-21272.

Thumela inombolo yakho yesazisi.

Khetha imo yekhredithi (efinyeziweyo njenge-CC).

Uya kufumana impendulo yakho njengelungileyo (iGlodlisted) okanye engagqibekanga (iBlacklisted).

b). Ungasifumana njani iSatifikethi sokuCoca kwiTransUnion (ukuba ufakwe kuluhlu olumnyama).

I-TransUnion ikhupha izatifikethi zokukhutshwa kwabo bangahlawuliyo ukuba uhlawula i-Ksh. 2,200 kwinombolo yePaybill 212121 kwaye ubabonise ubungqina bokuthengiselana. Ungakwenza oko ngokuthumela umyalezo wakho wentengiselwano yeMpesa ku [imeyile ikhuselwe].

Qiniseka ukuba usebenzisa inombolo yakho yesazisi njengenombolo yeakhawunti yakho.

Ukuba ufuna ukufumana ingxelo yetyala elingaphezulu kwesinye ngonyaka, uya kuhlawula i-Ksh. 650 ukuya kwiTransUnion PayBill inombolo - 212121.

Ulwazi loqhakamshelwano lweCRB. 

Idilesi.

I-PO BOX 46406-00100-eNairobi.

Ifeksi: + 254 - 020 - 3751344. 

Iinombolo zefowuni:

+ 25730651000. 

+ 254 020 3751799. 

Ulwazi lwe-imeyile.

[imeyile ikhuselwe].

[imeyile ikhuselwe].

-Usijonga njani imeko yeCRB kwiMetropol CRB yaseKenya.

Zikhuphelele le IMetropol CRB App kwiPlay Store ukufikelela kuzo zonke iinkonzo zeCRB. Ngokusebenzisa i IMetropol CRB kwiWebhusayithi. Okanye ngokusebenzisa ikhowudi ye-Metropol CRB ye-USSD * 433 #.

Ungabhalisa njani kwiMetropol CRB Kenya.

Yiya kwi-Mpesa Paybill ukuhlawula i-Ksh. I-50 intlawulo yokubhalisa kwi-Metropol CRB Inombolo ye-Paybill 220388.

Emva kokubhalisa, uya kufumana i-SMS kunye ne-PIN yakho, inombolo yereferensi, kunye nekhonkco elikhethekileyo.

Sebenzisa i-PIN xa ufikelela kwiinkonzo ze-CRB nge-Metropol CRB khowudi ye-USSD.

Ezinye iinkonzo onokufikelela kuzo kwiMetropol CRB kunye neMirhumo. 

Jonga amanqaku akho etyala kwiKsh. 150 kuphela.

Ukuba udweliswe kwiCRB amanqaku akho etyala anokuza njengama-200 okanye ngaphezulu ngentla kwama-200 oko kuthetha ukuba awunakuthenjwa ngayo nayiphi na imali mboleko.

Ukuba ujonge amanqaku akho etyala kwaye ufumane impendulo engama-400 okanye nantoni na engaphezulu koko, oko kuthetha ukuba ungayifumana imali-mboleko. Kodwa awungoyena mntu unokumthemba ngeemali ezinkulu.

Amanqaku amakhulu kunama-600 kuthetha ukuba ungumboleki othembekileyo. Uhlawula imali mboleko yakho ngexesha. Yinto entle leyo. Qhubeka.

Unokufumana ingxelo epheleleyo ngetyala kwiCRB ngeKsh kuphela. 250

Fumana ukuba ngubani okuthumele kwi-CRB ngokuhlawula i-Ksh. 50 ukuya kwiMetropol inombolo yeCRB Paybill 220388

Ukuba udwelisiwe, hlawula iKsh. 2,200 ukufumana isatifikethi sokucoceka. Ewe emva kokucoca imali mboleko yakho.

Iinkcukacha zoqhakamshelwano zeMetropol CRB. 

Idilesi. 

IMetropol CRB eKenya.

I-PO BOX 35331-00200 eNairobi.

IFacebook: @Metropol CRB. 

Nxibelelana.

Inombolo yomnxeba: 0709 834000.

Ungajonga njani imeko ye-CRB kwi-Intanethi ngeCreditInfo CRB.

Tyelela Iwebhusayithi yeCreditInfo kwaye ubhalisele ukufumana ingxelo yamatyala yasimahla kunye nokubeka iliso kunyaka omnye.

Nangona kunjalo, uya kuhlawula iKsh. 350 ukuba ufuna ukufumana enye ingxelo ngetyala kwangelo xesha linye.

Unokukhetha ukufumana ingxelo yokubeka iliso kwiinkonzo zakho zemali nge-Ksh kuphela. 650.

Ungalibali ukufaka ikopi ecacileyo yesazisi sakho xa usebenzisa olu khetho lweCRB.

Ii-Apps ezinokwenzeka zokubolekwa kwemali ezinokuthi zifakwe kuluhlu lweenkcukacha zakho zeTyala. 

• Usetyenziso lweHF Whiz.
• Isixhobo seTala Loan.
• Isixhobo seMali mboleko yeSebe.
• Inkqubo yeFadhili Loan.
• Isixhobo seMali mboleko yeOkash.
• Imali mboleko ka-Saidika. 
• Imali mboleko ye Chap Chap. 
• Imali mboleko kaShujaa. 
• Imali mboleko ye Chap Chap. 
• M-Jamii Imali mboleko. 
• Imali mboleko kaTumaini. 

Nxibelelana neCreditInfo.

Idilesi yendawo. 

Ipaki Suites, iOfisi 12, umgangatho wesibini,

Indlela yeParklands,

Ibhokisi yePosi 38941-00623.

IParklands, eNairobi.

Ifowuni: + 254 20 375 7272.

E-mail: [imeyile ikhuselwe].

Uyiphucula njani imeko yakho yeCRB

Ukuba usijongile isimo sakho se-CRB kwaye wafumanisa ukuba unoluhlu olubi okanye amanqaku asezantsi etyala, ungothuki. Kukho iindlela zokuphucula imeko yakho ye-CRB kwaye ubuyisele ukufaneleka kwakho ngetyala.

Nazi ezinye iingcebiso malunga nendlela yokuphucula imeko yakho ye-CRB:

• Hlawula nawaphi na amatyala osaseleyo onawo kubabolekisi-mali okanye kubanikezeli benkonzo ngokukhawuleza. Oku kuya kukunceda ukuba ucoce igama lakho kuluhlu lwabangavumelekanga kwaye uphucule imbali yakho yentlawulo.
• Thethana nababolekisi bakho okanye ababoneleli ngenkonzo kwisicwangciso sentlawulo esihambelana nemeko yakho yezemali. Oku kuya kukunceda uphephe iintlawulo ezilahlekileyo okanye ukusilela kwiimali-mboleko kunye namatyala akho.
• Kuphephe ukuthatha imali-mboleko eninzi kakhulu okanye ukusebenzisa kakhulu umlinganiselo wakho wetyala okhoyo. Oku kuya kukunceda unciphise umlinganiselo wetyala lakho ukuya kwingeniso kwaye ugcine izinga lokusetyenziswa kwetyala elisempilweni.
• Jonga ingxelo yakho yetyala rhoqo ngazo naziphi na iimpazamo okanye ukungangqinelani okunokuthi kuchaphazele amanqaku akho ekhredithi. Ukuba ufumana naziphi na, zixele kwi-CRB kunye nombolekisi ofanelekileyo okanye umboneleli ngenkonzo ukuze zilungiswe.
• Faka isicelo sesatifikethi sokusuka kwi-CRB wakuba uwacimile onke amatyala akho kwaye uphucule amanqaku akho ekhredithi. Oku kuya kukunceda ubonakalise kubaboleki abanokubakho ukuba ungumboleki onoxanduva kwaye awunamiba ilindileyo ne-CRB.

IiMali-mboleko ezingakumbi ngeKhowudi ye-USSD. 

• Ukubolekwa kweZenka | Ukubolekisa nge-USSD okanye iApp | Fumana i-Instant Cash eMpesa.
• Ukubolekwa kwemali-mboleko kusetyenziswa iikhowudi zase-USSD | Inketho kwiNkqubo yeMali mboleko.
• Ngaba ndidwelisiwe? Ngubani! Ungajonga njani imeko yeCRB kwaye icace eKenya.
• Imali mboleko engakhuselekanga: Fumana iMali mboleko yasekuseni ngaphandle kokhuseleko eKenya.
• I-App yethu yeLimboleko yeMoto esheshayo (eKhatywayo) yaseKenya kunye nendlela yokuFikelela.
• Sebenzisa iKhowudi ye-USSD yokufumana iMali mboleko yeMoto ekhawulezileyo evela kwi-Okoa Mia.
• Ungayihlawuli njani iMali mboleko yeTala kwaye usaLungela iMali eninzi ngeMida ePhakamileyo.

Imakwe Nge : Cacisa i-CRB kwi-intanethi • Iinkcukacha zonxibelelwano ngeCreditInfo • Ityala lokuhlawula kwi-CRB • Ungajonga njani imeko yeCRB eKenya • Iinkcukacha zoqhagamshelwano zeMetropol CRB • KwiMetropol CRB paybil • Iikhowudi ze-Metropol CRB USSD • Ulwazi loqhakamshelwano lweCRB • Inombolo ye-CRB yeTransUnion • Iikhowudi zeTransUnion CRB zeUSSD