A positive Credit Reference Bureau (CRB) rating indicates timely repayment of loans and debts, while a negative rating suggests defaulting. Accessing the CRB listing record can help you determine if you are blacklisted. Being blacklisted negatively impacts your credit score, limiting your ability to secure loans. Here’s how to check your CRB status in Kenya online.
Overview of Online CRB Platforms
Kenya has multiple CRB service providers, including Metropol, CreditInfo, and TransUnion, which enable you to check your status through online platforms. Each platform offers unique features, such as USSD codes, email communication, and mobile apps.
Metropol CRB Status Check
Background of Metropol
Established in 1996 and licensed by the Central Bank of Kenya, Metropol Crystobol provides credit management services to individuals and banks. It has offered public credit rating services since 2006.
Steps to Check Your Status on Metropol
- Visit the Metropol website.
- Click “Get Your Credit Report and Certificate of Clearance.”
- Sign in using your registered Safaricom number and a reference number.
- Download your credit report, which includes your CRB status.
To obtain a reference number, follow these steps:
- Dial *433# on your Safaricom line.
- Select “Listing Status.”
- Enter your National ID number.
- Confirm the request.
- Provide a Metropol agent’s ID (if applicable) or enter 0.
- Confirm the transaction.
- Pay KES 100 via M-Pesa. Alternatively, use Paybill number 220388 and your ID number as the account number.
- Receive a reference number via SMS.
Use the reference number to log in and download your report. Note that downloading the report costs KES 250.
Metropol Service Charges
| Service | Cost (KES) |
|---|---|
| CRB Credit Report | 250 |
| Identify Institution That Blacklisted You | 250 |
| CRB Clearance Certificate | 2,200 |
Metropol Contact Information
- Address: Barclays Plaza, 9th Floor, Loita Street, Nairobi
- Phone: (+254) 709 834 000 / (+254) 730 884 000
TransUnion CRB Status Check
Using the TransUnion Website
- Visit the TransUnion website.
- Scroll to “Know Your Score.”
- Click “Get Started” and fill out the required details.
- Follow prompts to access your credit report.
Via TransUnion Mobile App
- Download the TransUnion Nipashe app.
- Register with your ID and personal details.
- Follow on-screen instructions to check your CRB status.
Via SMS
- Send your full ID name to 21272.
- Pay KES 50 via Paybill number 212121, using your ID number as the account.
- Request your credit status and receive the details instantly.
TransUnion Service Charges
| Service | Cost (KES) |
|---|---|
| Credit Report | 650 |
| CRB Clearance Certificate | 2,200 |
TransUnion Contact Information
- Address: Prosperity House, Westlands Rd, Nairobi
- Phone: (+254) 20 3751799 / (+254) 730 651 000
- Email: info@transunion.com
CreditInfo CRB Status Check
Steps to Check Your Status via CreditInfo
- Visit the CreditInfo website.
- Click “Credit Report.”
- Choose between personal or company report applications.
- Fill out and submit the request form.
- Receive your report via email.
If you identify errors, fill out a Credit Report Dispute Form to request corrections.
CreditInfo Contact Information
- Address: Park Suites, Office 12, 2nd Floor, Parklands Road
- Postal Address: 38941-00623, Nairobi
- Phone: +254 20 375 7272
- Email: cikinfo@creditinfo.co.ke
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Clearing CRB Status and Obtaining Clearance Certificates
To clear your name from the CRB, repay any outstanding debts. Then apply for a clearance certificate from Metropol, TransUnion, or CreditInfo. Note that none of these services are free.
FAQs
- Can you check your CRB status for free? No. All CRB providers charge a small fee for their services.
- How to find out who listed you? Use Metropol’s “Who Has Listed Me” service or inquire via TransUnion or CreditInfo.
Conclusion
Checking your CRB status in Kenya is a straightforward process. Ensure you clear any debts promptly and request a clearance certificate to restore your credit standing. Take advantage of the convenient online tools provided by Metropol, TransUnion, and CreditInfo.
Disclaimer: This article provides general information and should not replace professional advice. Actions taken based on this information are at your own discretion and risk.
