The Credit Reference Bureau (CRB) is a body that gives credit reports about borrowers in Kenya. It is regulated by the Central Bank of Kenya. Defaulting in loan repayment will land you in the CRB blacklist. A majority of Kenyans have been blacklisted on CRB for failing to repay loans. CRB get loan defaulters' details like name, ID number, email address and mobile number from lenders.
In this article, we will provide you with details about how you can get CRB clearance certificate if you have been blacklisted. There are several reasons you could be in the CRB blacklist. They include:
- Defaulting in loan repayment with a bank or SACCO
- Failure to repay your HELB loan
- Failure to repay a loan from a mobile money service
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How to Check Your CRB Status
There are three companies that are licensed by the Central Bank of Kenya to collect and provide financial information. You can check your CRB status through:
To check your CRB status on Metropol:
- Pay Ksh 50 through Metropol Mpesa Paybill number 220338
- Enter your ID number as the account number
- You will get a PIN, reference number and a link
- Dial *433# on your mobile USSD and enter the pin you received
- You will then receive your CRB status after a few minutes
To get your CRB status on TransUnion:
- Register on their platform by sending your full name to 21272. The SMS costs Ksh 19.
- Alternatively, you can download their Nipashe App and register
- Then enter your ID number and select credit status
- You will receive either “Good” or “Negative”. Good means you are not blacklisted while Negative means you are blacklisted.
To get CRB status from CreditInfo, you need to fill an application form online.
- Visit CreditInfo website
- Register and request credit information
- You will be sent an email with your credit status
- You will receive free credit report for one year. After one year, you will need to pay Ksh 350 to receive credit reports.
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How to Get CRB Clearance Certificate if you are Not Blacklisted
Once you have checked your CRB status and confirmed that you have not been listed, you can proceed to request a CRB clearance certificate. You can get the certificate from Metropol, or TransUnion.
- TransUnion. To get CRB clearance certificate, you need to pay Ksh 2200 to the Mpesa paybill number 212121. In the account number section, enter your ID number. Then forward the Mpesa payment confirmation SMS to the email email@example.com
- Metropol. To get CRB clearance certificate through Metropol, you need to pay Ksh 2200 to the Mpesa paybill number 220338. Then visit their website and request for the certificate.
How to Get CRB Clearance Certificate if You Have Been Blacklisted
If you are listed in the CRB blacklist, you must first clear the outstanding loan balance with the lender to get CRB clearance certificate. You can negotiate loan terms to help you clear the balance. You can attach collateral to cover the loan and improve your credit score.
Once you have cleared the loan with the lender, wait for at least 3 days before you can begin the process of requesting the certificate. This is to give the lender time to submit your credit information to the bureau.
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How Long Does it Take to Get Cleared from CRB?
The time it takes to get cleared from CRB depends with the agent you are using. Credit reports are updated on daily basis . As such, it depends with how fast your lender will submit your credit report. Usually, it takes between 1 and 3 days to get cleared by CRB.
It is important that you maintain good credit score and refrain from defaulting in loan repayment. This way, you will avoid getting listed on CRB blacklist. It is impossible to get a loan when you are listed on CRB blacklist.
Some employers ask for CRB clearance certificates during recruitment. In such a case, you may miss on job opportunities if you are blacklisted. If you have been blacklisted, make sure to clear your loan balance and then get a clearance certificate.