In this article I will show you How to check your CRB status in Kenya in 2020.
The Credit Reference Bureau is an organisation that monitors the behaviour of a lendee to enable lenders to deal with non-performing loans and reduce the loan default risk.
How to check your CRB status in Kenya
There are several CRBs licensed by the Central Bank of Kenya to collect, manage and share financial information. They include:
- Metropolis Corporation
- TransUnion (CRB Africa)
- CreditInfo
1. Metropol CRB
You can access CRB services from Metropol through Metropol website, Metropol crystobol app or by dialling *433#.
If you have chosen to register with Metropol, then check out these steps;
Register With Metropol
- You will Pay kes 50 as registration fees through the Paybill number 220388.
- Enter your ID number as the account number.
- You’ll get an SMS with your unique PIN
details, a Reference Number and a special Link
SEE: All CRB contacts and addresses in Kenya
Access Metropol CRB services
After paying the registration fees, now you are allowed to check your CRB status.
You can choose to dial *433# and enter PIN and you will get your listing status through an SMS.
You can choose to use the Metropol Crystobol app. Log in and view your CRB status.
You can visit Metropol website, Log in and view your listing status.
There are other services which you can also get from Metropol. Note that after payment of the required fees, you will follow the same steps as checking your CRB status above.
Pay all the fees the same way you paid for registration.
Credit Score: Pay KES 150. You are entitled to one free credit report in a year only.
Metropol gives a score between 200 and 900. Any score below 400 will mean you’re a defaulter and lender can’t give you loans. Any score above 400 will mean fair and lenders will give you loans with a lot of caution. A good credit score is any score near 900 and lenders will give you cheap loans.
Credit Report: Pay Sh. 250. This is a detailed report on how you interact with financial institutions.
Who listed you: Pay Sh. 50 to know who sent your name to the CRB.
Clearance Certificate: Pay Sh. 2,200. After clearing all your defaulted loans, you’ll be issued with a clearance certificate
2. TransUnion CRB
TransUnion CRB services can be accessed via SMS number 21272.
TransUnion Nipashe app and through TransUnion website. If you have chosen to register with TransUnion CRB then follow these steps;
- Register with TransUnion
- Send your full names to 21272
- Enter your ID number
- Choose CC (meaning Credit Status)
- Receive your CRB status.
Good will mean a positive status (not blacklisted), while default will mean a negative status ( you are blacklisted)
Access Other TransUnion Services
Credit Report (CR): You are entitled to one free credit report in a year. Pay KES 650 to Paybill number 212121 and account number should be your ID, to get more than one report in a year.
Clearance Certificate (CC): Pay Sh. 2, 200 to Paybill number 212121 and enter your ID number as the account number.
To get a clearance certificate, you will need to register on the TransUnion website using an email address.
After payment claim your certificate by sending your Mpesa message to [email protected]
4. CreditInfo CRB
CreditInfo entirely works on the information they receive through emails.
However, you first will be required to fill;
- The online credit request form to obtain your certificate of clearance.
- And if you feel that your Credit Report Contains incorrect information you will be asked to fill Credit report Dispute form.
The likelihood of getting listed by CRB is very high if you default on a loan. In order to get yourself out of the list, you have to clear your outstanding loan (s).
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