Wondering if you’re blacklisted? Here’s how to check your CRB status easily in Kenya.
Table of Contents:
What Is CRB and Why Does It Matter?
The Credit Reference Bureau (CRB) is a licensed institution that tracks your credit history. It keeps records of your loan repayments and how well you manage your debts.
Lenders like banks, SACCOs, mobile loan apps, and microfinance institutions use CRB data to determine whether you qualify for a loan. If you have a bad credit history or have defaulted on loans, you may be blacklisted.
CRB Companies in Kenya
There are three licensed CRB agencies in Kenya:
- TransUnion
- Metropol Credit Reference Bureau
- Creditinfo Kenya
You can check your CRB status using any of these.
How to Check CRB Status Using TransUnion
Step-by-Step via SMS
- Dial Send your full names to 21272
- Enter your National ID Number
- Follow the prompts to register
- Once registered, you’ll get a message confirming your status: “Good” or “Negative”
- Cost: Ksh 50 (pay via M-PESA during registration)
Via TransUnion App
- Download the TransUnion Nipashe app from Google Play Store
- Register using your ID number
- View your credit report and score
How to Check CRB Status Using Metropol
Via USSD Code
- Dial *433# on your mobile phone
- Enter your ID number
- Pay Ksh 100 via M-PESA (Paybill: 220388, Account: ID Number)
- Receive your CRB status and credit report
Also Read:7 SACCOs in Kenya You Should Join If You Want to Save Smart
Via Metropol Crystobol App
- Download the Metropol Crystobol app
- Register and follow prompts to access your full report
How to Check CRB Status Using Creditinfo Kenya
Creditinfo works mainly online and through email.
- Visit Creditinfo Kenya Website
- Go to the “Request Your Credit Report” section
- Fill in your details (ID, phone number, email)
- You’ll get your free credit report once a year via email
How to Know If You’re Blacklisted
You’ll get a “Negative Listing” or “Loan Default” remark on your report if:
- You failed to pay a loan on time
- You have a pending loan for more than 90 days
- You are reported by lenders to the CRB
How to Clear Your Name from CRB
- Pay off your outstanding debt
- Request your lender to update your CRB status
- The CRB will receive clearance information and update your record
- You can then request a CRB Clearance Certificate (cost: approx. Ksh 2,200)
Final Tips
- Always repay loans on time to avoid blacklisting
- Check your CRB status at least once every 6 months
- Don’t share your ID or phone number with strangers-your CRB can be affected if someone takes a loan in your name.
Knowing your CRB status is essential if you plan to apply for any loan in Kenya. With mobile apps and USSD options, checking your status is quick and affordable. Stay informed, stay creditworthy!
