Ingabe Ngifakwe ohlwini Olumnyama? Ungasibheka Kanjani Isimo Se-CRB Futhi Ucacile EKenya

Ezinsukwini ezimbalwa ezedlule I uthole ucingo luvela kwaMetropol CRB Kenya. Kwakungekhona ukwenza ngempendulo yokuthi ungasihlola kanjani isimo se-CRB eKenya. (Ngaphambi kosuku lwanamuhla, ngangikuthinta kakhulu). Ngiyavuma.

Futhi kwakungeyona into engenziwa ngokuqapha kombiko wami wesikweletu.

Esikhundleni salokho, kwakuyikholi yokuxhumana nabantu.

Ngingakubiza ngokuthi ikholi yebhizinisi-kuya-ibhizinisi.

Ngokusobala, omunye umboleki (omunye uMnu. Mwangi) wayesemahhovisi e-CRB eNairobi efuna ukususa igama lakhe esikweletini ayesithathe ngo-2014 enkampanini engangiyisebenzela (i-AFB KENYA).

Akazange abuyisele imali yakhe ngoba inkampani ebolekayo iyekile ukusebenza eKenya.

Futhi wacabanga, wow - uma i-AFB ingasasebenzi eKenya, kungani ngingayeki nje ukukhokha imali ebolekiwe?

Isinqumo Esibi! 

Ngemuva kweminyaka emine, lo mboleki use-CRB ufuna ukugeza igama lakhe ngoba kusobala ukuthi usenengane ezojoyina isikole samabanga aphezulu.

Okubi kakhulu ukuthi, akanayo imali eyanele yokungena kodwa unomkhawulo omuhle wokubolekwa kweMasomo ne-KCB; okuthi ngendlela aphikelela ngayo ukuthi ahlanze igama lakhe kwa-CRB ngaphambi kokuba athole imali ebolekiwe.

Lokho angakwaziyo ukuthi, noma ngemuva kokuvunyelwa, i-KCB izomphika imali mboleko ayithembisile ngoba kuzothatha isikhashana ukuvuselela isimo esisha.

Ngamsiza ukuthi asize igama lakhe.

Nansi into - kulabo abanezimalimboleko ze-AFB kusuka ku-2014 - lezi zikweletu zathengiselwa iNimble inkampani yokuphathwa kwezikweletu eNairobi.

Kufanele uzikhokhele ukuze usule amagama akho ohlwini lwabavinjelwe.

Uma kufanele uhlole isimo se-CRB bese uthola ukuthi ubhalwe ohlwini yilowo obolekayo, thintana nabo njengoba ngezansi.

Oxhumana Nimble Kenya.

Ucingo: 00 (254) 205 135 500.

Indawo - UMogotio Road, 4th Floor Tower A, Reliable Towers, Nairobi, Kenya.

a). Ungasibheka Kanjani Isimo Se-CRB EKenya (umhloli we-CRB).

I-Kenya inezinkampani ezintathu ezinelayisensi yereferensi yezikweletu (CRB).

- TransUnion.

- IMetropol.

- IkhredithiInfo. 

Ukuze ubuke imininingwane yakho yesikweletu uzodinga ukubhalisa kwenye yezinkampani ze-CRB (Credit Reference Bureau Kenya Limited Nairobi).

Kodwa-ke, ngincoma ukuthi ubhalise nabo bonke ngoba kunokungaqiniseki uma umbolekisi ezothumela umbiko wakho kwenye noma kuzo zonke izinkampani.

Kodwa iyiphi inqubo okufanele uyilandele ukuze ubhalise futhi ubuke uhlu lwakho ngokushesha?

Kulo mhlahlandlela, sixoxa ngazo zonke izinketho ezingase zibe khona eKenya.

Usihlola Kanjani Isimo Sakho Se-CRB MAHHALA

Kunama-CRB amathathu anelayisensi eKenya aqoqa futhi anikeze imininingwane yezikweletu kubabolekisi nababolekayo. Kunjalo:

• I-TransUnion
• Metropol
• CreditInfo

Ngayinye yalawa ma-CRB inendlela yayo yokubhalisa nokuhlinzeka ngemibiko yezikweletu kanye nezikolo kumakhasimende. Kodwa-ke, bonke bakhokhisa imali kwezinye izinkonzo zabo, njengokuthola isitifiketi sokugunyazwa noma umbiko onemininingwane yezikweletu.

Ngenhlanhla, kunendlela yokuhlola isimo sakho se-CRB mahhala kunoma iyiphi yalawa ma-CRB.

Ngokwe-Credit Reference Bureau Regulations 2020, ikhasimende ngalinye linelungelo lokuthola umbiko owodwa wesikweletu wamahhala ngonyaka ovela ku-CRB ngayinye. Lokhu kusho ukuthi ungathola imibiko yezikweletu emithathu yamahhala ngonyaka kuma-CRB amathathu.

Ukuze uhlole isimo sakho se-CRB mahhala, udinga ukulandela lezi zinyathelo:

1. Khetha i-CRB ofuna ukuhlola isimo sakho kuyo. Ungakhetha noma yimaphi ama-CRB amathathu, noma uhlole kuwo wonke uma ufuna ukuqhathanisa imibiko yakho yezikweletu kanye nezikolo.
2. Bhalisa ne-CRB ngokunikeza imininingwane yakho yomuntu siqu, njengegama lakho, inombolo ye-ID, inombolo yocingo, nekheli le-imeyili. Ungase futhi udinge ukukhokha imali yokubhalisa yesikhathi esisodwa engu-Ksh 50 nge-M-Pesa noma ezinye izindlela zokukhokha.
3. Cela umbiko wakho wesikweletu wamahhala wonyaka kwa-CRB. Ungakwenza lokhu ngokudayela ikhodi ye-USSD, ukuthumela i-SMS, usebenzisa uhlelo lokusebenza, noma ngokuvakashela iwebhusayithi yabo. Uzothola umlayezo wokuqinisekisa onesixhumanisi noma ikhodi ukuze ufinyelele umbiko wakho wesikweletu.
4. Landa noma ubuke umbiko wakho wesikweletu ku-inthanethi noma ungaxhunyiwe ku-inthanethi. Uzodinga ukufaka inombolo yakho yocingo kanye nesixhumanisi noma ikhodi oyitholile esinyathelweni sesi-3. Umbiko wakho wesikweletu uzobonisa imininingwane yakho yomuntu siqu, umlando wesikweletu, isikolo sakho, kanye nesimo sokufakwa kuhlu.
5. Hlola isimo sakho sohlu embikweni wakho wesikweletu. Isimo sakho sokufakwa kuhlu sizokhombisa ukuthi ufakwe ohlwini lwabahle (oluhle) noma olubi (olubi) yi-CRB. Uma ufakwe ohlwini lwabalungile, kusho ukuthi awunakho ukukhokhela izikweletu noma awunakho ukukhokhela izikweletu zakho ezikweletini kanye nezikweletu zakho. Uma ubalwe njengabanegethivu, kusho ukuthi unokungakhokhi kahle noma unezikweletu ezikweletwayo kanye nezikweletu ezidlula izinsuku ezingama-90.
6. Hlola isikolo sakho sekhredithi embikweni wakho wesikweletu. Isikolo sakho sesikweletu siyinani lezinombolo elisukela ku-200 kuya ku-900 elimele ukufaneleka kwakho kwekhredithi. Uma isikolo sakho sesikweletu siphezulu, aba ngcono amathuba akho okuthola imvume yemalimboleko ngamanani enzalo aphansi kanye nezimali ezikhokhwayo. Uma encipha amaphuzu akho esikweletu, aba mabi kakhulu amathuba akho okugunyazwa imalimboleko ngamanani enzalo aphezulu kanye nezimali ezikhokhwayo.

i). Ungasibheka Kanjani Isimo Se-CRB ku-TransUnion. 

Ukufinyelela izinsizakalo ze-CRB ungalanda Uhlelo lokusebenza lwe-CRB Nipashe -lapho uzothola khona zonke izinsizakalo; nge-SMS inombolo 21272 noma ngeTransUnion Website.

ii). Ungabhalisa kanjani neTransUnion nge-SMS.

Kulula njengo-1,2,3. 

Thumela amagama akho aphelele ku-21272.

Thumela inombolo yakho kamazisi.

Khetha isimo sekhredithi (efushanisiwe njenge-CC).

Uzothola impendulo yakho njengenhle (Glodsted) noma ngokuzenzakalelayo (Kufakwe ohlwini olumnyama).

b). Ungasithola Kanjani Isitifiketi Sokusula KwaTransUnion (Uma Ufakwe ohlwini Olumnyama).

AbakwaTransUnion bakhipha izitifiketi zokususwa kwabenza iphutha uma ukhokha iKsh. 2,200 ku-Paybill inombolo 212121 bese ubakhombisa ubufakazi bokuthengiselana. Ungakwenza lokho ngokuthumela umyalezo wakho wokuthengiselana weMpesa ku [i-imeyili ivikelwe].

Qiniseka ukuthi usebenzisa inombolo yakho kamazisi njengenombolo ye-akhawunti yakho.

Uma ufuna ukuthola umbiko wesikweletu ongaphezu kowodwa ngonyaka, uzokhokha u-Ksh. 650 kuya kunombolo ye-TransUnion PayBill - 212121.

Imininingwane Yokuxhumana yeTransUnion CRB. 

Ikheli.

PO BOX 46406-00100 - eNairobi.

Ifekisi: + 254 - 020 - 3751344. 

Izinombolo Zefoni:

+ 25730651000. 

+ 254 020 3751799. 

Imininingwane ye-imeyili.

[i-imeyili ivikelwe].

[i-imeyili ivikelwe].

- Ungasibheka Kanjani Isimo Se-CRB eMetropol CRB Kenya.

Download Uhlelo lokusebenza lweMetropol CRB ku-Google Play Isitolo ukuze ufinyelele zonke izinsiza ze-CRB. Ngokusebenzisa i- Iwebhusayithi yeMetropol CRB. Noma ngekhodi le-Metropol CRB USSD * 433 #.

Ungabhalisa Kanjani NeMetropol CRB Kenya.

Iya ku-Mpesa Paybill ukuze ukhokhe u-Ksh. 50 imali yokubhalisa ku-Metropol CRB Paybill inombolo 220388.

Ngemva kokubhalisa, uzothola i-SMS ene-PIN yakho, inombolo yesithenjwa, nesixhumanisi esikhethekile.

Sebenzisa i-PIN lapho ufinyelela izinsizakalo ze-CRB ngekhodi le-Metropol CRB USSD.

Eminye Imisebenzi Ongayifinyelela kuMetropol CRB kanye Nezimali. 

Bheka umaki wakho wesikweletu nge-Ksh. 150 kuphela.

Uma ubhalwe ku-CRB isikolo sakho sesikweletu singafika singama-200 noma kancane ngaphezulu kwe-200 okusho ukuthi awukwazi ukwethenjwa nganoma yimaphi wemalimboleko.

Uma ubheka isikolo sakho sesikweletu bese uthola impendulo engu-400 noma yini engaphezu kwalokho, kusho ukuthi ungathola imalimboleko. Kodwa awuyena umuntu ongcono kakhulu ongamethemba ngamanani amakhulu.

Izikolo ezingaphezu kuka-600 zisho ukuthi ungumboleki othembeke kakhulu. Ukhokha imali oyibolekile ngesikhathi. Futhi lokho kuyinto enhle. Qhubeka nomsebenzi omuhle.

Ungathola futhi nombiko ophelele wesikweletu kusuka ku-CRB nge-Ksh kuphela. 250

Thola ukuthi ubani okuthumele ku-CRB ngokukhokha u-Ksh. 50 kuya ku-Metropol CRB Paybill inombolo 220388

Uma ufakwa ohlwini lwabamnyama, khokha u-Ksh. 2,200 ukuthola isitifiketi semvume. Vele ngemuva kokucima imali mboleko yakho.

Imininingwane ye-Metropol CRB Imininingwane. 

Ikheli. 

IMetropol CRB Kenya.

I-PO BOX 35331-00200 eNairobi.

I-Facebook: @Metropol CRB. 

Othintana naye.

Inombolo yocingo: 0709 834000.

Ungasihlola Kanjani Isimo se-CRB Ku-Intanethi nge-CreditInfo CRB.

Vakashela le Iwebhusayithi yeCortInfo futhi ubhalise ukuthola umbiko wesikweletu wamahhala nokubheka unyaka owodwa.

Kodwa-ke, uzokhokha i-Ksh. I-350 uma ufuna ukuthola omunye umbiko wesikweletu ngesikhathi esifanayo.

Ungaphinda ukhethe ukuthola umbiko wokuqapha wezinsizakalo zakho zezezimali nge-Ksh kuphela. 650.

Ungakhohlwa ukufaka ikhophi ecacile ye-ID yakho lapho usebenzisa le nketho ye-CRB.

Izinhlelo zokusebenza ezingenzeka zokubolekwa ezingase Zifake ohlwini Ulwazi Lwakho Lwesikweletu. 

• Izinhlelo zokusebenza ze-HF Whiz Loan.
• Uhlelo lokusebenza lweTala Loan.
• Uhlelo Lokubolekwa Kwamagatsha.
• Uhlelo lokusebenza lweFadhili Loan.
• Uhlelo lokusebenza lwe-Okash Loan.
• Kusho iMalimbo Loans. 
• I-Chap Chap Loans. 
• UShujaa Loans. 
• I-Chap Chap Loans. 
• Izikweletu ze-M-Jamii. 
• UThemba Loans. 

Thinta i-CreditInfo.

Ikheli Lendalo. 

I-Park Suites, iHhovisi le-12, i-Second floor

Ipaki Road,

I-PO Box 38941-00623.

EParklands, eNairobi.

Ucingo: +254 20 375 7272.

E-mail: [i-imeyili ivikelwe].

Ungasithuthukisa Kanjani Isimo Sakho Se-CRB

Uma uhlole isimo sakho se-CRB futhi wathola ukuthi unohlu olubi noma amaphuzu aphansi esikweletu, ungathuki. Kunezindlela zokuthuthukisa isimo sakho se-CRB futhi ubuyisele ukufaneleka kwakho kwekhredithi.

Nawa amanye amathiphu okuthi ungasithuthukisa kanjani isimo sakho se-CRB:

• Khokha noma yiziphi izikweletu osalele ozikweletayo kubabolekisi noma abahlinzeki besevisi ngokushesha ngangokunokwenzeka. Lokhu kuzokusiza ukuthi usule igama lakho ohlwini oluvinjelwe futhi uthuthukise umlando wakho wokukhokha.
• Xoxisana nababolekisi bakho noma abahlinzeki besevisi ukuze uthole uhlelo lokukhokha olufanele isimo sakho sezezimali. Lokhu kuzokusiza ugweme ukuphuthelwa yizinkokhelo noma ukungakhokhi imali ebolekiwe nezikweletu zakho.
• Gwema ukuthatha imali ebolekiwe kakhulu noma ukusebenzisa umkhawulo wakho wesikweletu omningi otholakalayo. Lokhu kuzokusiza ukuthi wehlise isilinganiso sesikweletu sakho nemali engenayo futhi ugcine izinga lokusebenzisa isikweletu ngendlela enempilo.
• Hlola umbiko wakho wesikweletu njalo nganoma yimaphi amaphutha noma ukungezwani okungase kuthinte isikolo sakho sekhredithi. Uma uthola noma iyiphi, yibike ku-CRB kanye nombolekisi ofanele noma umhlinzeki wesevisi ukuze kulungiswe.
• Faka isicelo sesitifiketi sokuthola imvume kwa-CRB uma ususule zonke izikweletu zakho futhi wathuthukisa isikolo sakho sekhredithi. Lokhu kuzokusiza ukufakazele kubabolekisi abangaba khona ukuthi ungumboleki onesibopho futhi awunazo izinkinga ezisalindile ne-CRB.

Izinhlelo zokusebenza eziningi Zokubolekwa Amakhodi we-USSD. 

• UZenka Loan | Ukuboleka nge-USSD noma i-App | Thola Imali Esheshayo eMpesa.
• Ukubolekwa Kwemali Kusetshenziswa Amakhodi we-USSD | Inketho yezinhlelo zokusebenza Zokubolekwa.
• Ingabe Ngibhalwe ohlwini Olumnyama? Ngobani! Ungasihlola Kanjani Isimo se-CRB Futhi Kusobala eKenya.
• Imalimboleko Engavikelekile: Thola imalimboleko ye-Ussd Ngaphandle Kokuphepha eKenya.
• 31 Ama-App wemalimboleko osheshayo weSelula eKenya Nokuthi Ungawafinyelela Kanjani.
• Sebenzisa ikhodi ye-USSD ukuthola Imalimboleko Esheshayo Yokusuka ku-Okoa Mia
• Ungayikhokhi kanjani iTala Loan & Usalungela Imali Engaphezulu Ngemikhawulo Ephakeme.

Umakwe Nge: Sula i-CRB online • Imininingwane yokuxhumana yeCortInfo • Ukukhokhwa kwemali ekhokhwayo yeCredInfo CRB • Ungahlola kanjani isimo se-CRB eKenya • Imininingwane ye-Metropol CRB • I-Metropol CRB paybil • Amakhodi we-Metropol CRB USSD • Imininingwane yokuxhumana yeTransUnion CRB • Inombolo yokukhokhwa kwemali ekhokhwayo yeTransUnion CRB • Amakhodi we-TransUnion CRB USSD