Do you want to check your CRB status online in Kenya? You can quickly check your CRB status online by following the simple steps in this article. By doing so, you’ll be able to see if any restrictions on your name may prevent you from getting credit from regulated lenders in Kenya.
What would you do if you get denied financial assistance when you needed it most? Many people have trouble when borrowing because they find themselves blacklisted on CRB. Lucky for you, I have made this post on CRB check online in Kenya, so read on.
CRB, which stands for Credit Reference Bureau, lenders submit details of individuals who fail to repay their loans. Therefore, one must do a CRB status check regularly to confirm their CRB status.
In this article, you will find all the answers to the following questions:
- How to check CRB status on the phone in Kenya
- How to check CRB status for free
- How to check if you are in CRB
- How to check who listed me in CRB
- How to check my CRB status online in Kenya
- How to check CRB listing
- How to check if you are in CRB online
Let’s get started.
How to Check CRB Status in Kenya
Three credit reference bureau institutions have the authority to check on non-performing loans. Here is a list of these CRB institutions in Kenya:
- Transunion
- Metropol
- and Creditinfo
1. Checking via Metropol CRB status
Metropol CRB is a registered and trusted credit referencing firm in Kenya today. Besides credit referencing, Metropol also offers credit management, credit rating, and consultations.
First, you need to access the Metropol Website, download the Metropol Crystobol app, or dial *433#. Metropol is the most reliable platform when checking for CRB status online.
To register and check CRB status with Metropol, follow the procedure below.
- Pay Ksh.50 through PayBill Number 220388
- Enter your Id number as Account Number
- You will receive a confirmation message with unique code details, a Reference Number, and a particular link.
- After registration, Dial *433#
- Input your Identification Number.
- You will receive an SMS with your CRB Details.
Another way to check CRB status on Metropol CRB is by visiting the Metropol Website or using the Metropol Crystobol app installed on your phone. This is only possible after making registration payments using the procedure described above.
Metropol gives a credit score of between 200 and 900. If your score exceeds 400, you are a defaulter and can’t access loans from lenders. Scores above 400 tell you you are a fair borrower, and lenders can give you money but with caution. You are right that good scores are close to 900 ways, and repaying loans and lenders can quickly provide you with cash.
To check who forwarded you to the CRB by Metropol, you need to pay Ksh.50, and to obtain a clearance certificate, you need to pay Ksh.2200 after clearing your loans.
2. CRB Check Via CreditInfo Kenya CRB
CreditInfo Kenya is owned by Creditinfo International, part of the Creditinfo Group. Creditinfo Group is a multinational company operating credit bureaus across Europe, Central Asia, the Caribbean, The Middle East, and Sub-Saharan Africa.
Credit Info only gives information according to the messages they receive via email.
- Fill in the credit request form to obtain your clearance certificate.
- You must fill out a Credit Report Dispute Form if your Credit Report contains incorrect information.
3. Checking CRB status in Kenya via Transunion
Transunion is an international credit referencing company based in Johannesburg, South Africa. The company has extended its services to other African nations, including Kenya.
Transunion can be accessed through SMS line 21272 or the Transunion website. Also, you can access this platform through the Transunion Nipashe app.
The Nipashe app can be accessed from the google play store and installed on mobile devices.
To register on Transunion, follow this procedure.
- Send your full names to 21272
- Enter your ID number
- Choose CC (Credit Information)
- Wait for a reply Message with Credit status.
“Good” will mean you are not blocked and have a good credit score, while “Default” will mean you are a defaulter and, therefore, can not access loans.
How to check CRB status for free
You can also access a free credit report once a year from Transunion. However, you can access more than one report after paying Ksh.650 to PayBill 212121 and using your phone ID number as the account number.
To obtain a clearance certificate through Transunion, you will pay a Ksh. 2,200 fee to the PayBill number 212121 and enter your ID number as the Account Number. After paying, send your Mpesa message to [email protected] to claim your certificate.
Now that I have shown you how to check your CRB status, you will analyze your creditworthiness before applying for a loan. You should check your credit status with all three platforms since some lenders forward defaulters to all three bureaus.
Conclusion
Checking your CRB status is essential before applying for a loan. This is because some lenders forward defaulters to the bureaus, which might limit your chances of accessing loans in the future. Also, by checking your credit score, you can manage your finances better and access loans at fair interest rates.
You must note that you can access your credit report free once a year from Transunion. However, if you need more than one report, you will have to pay a small fee.
I hope this article was helpful. If you have any questions, please get in touch with me, and I will be happy to assist you.
