How to Get CRB Report and Clearance Certificate
A credit reference bureau CRB is an entity that is specialized in the collection and sale of credit performance information for individuals and companies. Apply for your CRB clearance certificate online and check list of defaulters.
The law permits Credit providers to submit names of individuals with any Non-Performing Loans to Credit Reference Bureaus for blacklisting.
Licensed CRB companies
There are three licensed companies in Kenya;
- TransUnion CRB
- Metropol Corporation CRB
- CreditInfo CRB.
How to Check Your CRB Status in Kenya
To qualify for a loan, one must have a good credit score. To check your CRB credit status, you must register with one of the three CRB companies.
A credit provider may sometimes give bad reports about your credit history to more than one CRB companies.
How to register and check Your CRB Status With Metropol
- Dial *433# on your mobile phone using Safaricom line
- Enter your National ID Number
- Enter an agent number if you were referred by a Metropol agent else enter zero (0) to proceed
- Confirm your details to complete the registration process
- Pay Ksh 100 as registration fees through the Paybill number 220388 and use your National ID number as the account number.
- You will receive an SMS with Crytobol PIN, a Reference Number, and a Link to access your credit report.
- Visit Metropol website through the link provided and enter your phone number and reference number to download your credit report.
To access other services on the Metropol website, follow the following steps. Remember to pay for all the charges the same way you paid for registration.
- Visit the Metropol website
- Enter your PIN, in case you forgot, Call 0709 834 000 for assistance
- Select your desired service from a variety of options like Listing Status, Credit Scores, Credit report, Clearance Certificate and Who listed me.
All payments are made to PayBill number 220388, use your National ID number as the Account number. The following fees apply for the type of service requested for.
Credit Score – Ksh 150
Blacklist Status – Ksh 50
Credit Report – Ksh 250
Who Has Blacklisted Me – Ksh 50
Clearance Certificate – Ksh 2200
How to Register and check CRB Kenya Status With TransUnion
TransUnion CRB Kenya services can be accessed via SMS number 21272, default TransUnion Nipashe app and through their official website
Text your full names to 21272 or 21CRB. Note: SMS Charges cost Ksh 19 download the TransUnion Nipashe app to save on SMS charges
Register by paying a one-off payment of Ksh 50 to PayBill number 212121 and use your National ID as account number
Request your credit status CR (Credit Report)
Reply with your email to access it
Receive your CRB status. (Good means a positive status(not blacklisted) and default means a negative status ( you are blacklisted))
For subsequent credit reports, Pay Ksh 650 to either Mpesa/Airtel PayBill number 212121 and your National ID Number as an account number. This enables you to get more than one Credit report in a year
For a Clearance Certificate, pay Ksh 2200, then Email your Mpesa/Airtel transaction details to email@example.com and you will be emailed back the Clearance Certificate.
How to Register and check CRB Status With Creditinfo CRB
Fill in the Credit Report Request form Online to access your credit report.
For a certificate of clearance, please fill in the Credit Certificate application form here
To correct and solve any dispute on your credit report, fill in the Credit Report Dispute form here
How to Clear Your Name From CRB Kenya List
If your credit report is not good, you may need to clear your name with CRB Kenya. You will have to ask for the creditor that sent your bad reports to CRB this attracts a fee of KSH 50.
If wrongfully blacklisted, visit the concerned creditor to resolve the issue.by either clearing your loan or making them know that you have never borrowed from them.
You will be issued with a clearance certificate, scan and email it to a CRB that you are registered with
The law requires that a Creditor must alert a customer before blacklisting him/her with CRB. At times this does not happen.
This lead to the introduction of a regulatory government body called the Credit Information Sharing [CIS] which looks deeply into unfavorable situations in the Credit industry.
CIS formed a constitutionally recognized help center named Tatua Center which offers free services to place and resolve disputes with CRB and creditors
CRBs in Kenya Contact Info
Creditinfo Credit Reference Bureau Limited
Spark Suites, Suite 12, 2nd Floor, Parklands Road, Nairobi
P.O. Box 38941-00623, Parklands
Date Licensed: 29th April 2015
Credit Reference Bureau Africa Limited t/a TransUnion
2nd floor, Prosperity House, Westlands Road, Off Museum Hill, Westlands, Nairobi
P.O. Box 46406, 00100 Nairobi
Phone: +254 730 651 000
Fax: +254 (0) 20 3751344
Date Licensed: 9th February 2010
Metropol Credit Reference Bureau Limited
1st Floor, Shelter Afrique Centre, Upper Hill, Nairobi
Customer Service Centre: 9th Floor, Barclays Plaza, Loita St. Nairobi
P.O. Box 35331, 00200 Nairobi
Phone: +254 (0) 20 2689881, 727 413 733, 732 774 666, 709 834000
Date Licensed: 11th April 2011