Have you ever requested for a loan from bank or mobile app and was declined because of bad CRB status?. This article will provide a guide on How to check your CRB status online in Kenya,Get report and Clear from defaulters list for free.
Checking CRB status will enable you to answer the questions like: How can I check if am blacklisted? Am I in CRB? Who listed me ?
We are living in times where there is need for loan for development,education or medical purpose.Whenever you borrow money from any financial institution or credit advancing facilities it is always advisable to ensure that you repay your loan on time no matter how big or small the amount.
The Credit Reference Bureau (CRB) is a platform that enables employers and loan or credit providers to check your status payment status i.e. whether you are a defaulter or if you pay your dues. Failure to pay loans borrowed from lenders like M-Shwari may affect you in future since once you get blacklisted by the CRB, you will be barred from processing any bank or mobile loans in future unless you pay your loan.
Many Kenyans dread being blacklisted there because it denies them a chance to apply for other loans in future and even wads of potential employers because most companies and institutions avoid hiring loan defaulters
In Kenya, there are three licensed CRB companies and they’re Metropol,TransUnion and CreditInfo.
Before you can access your CRB status,you will need to register with one or all (recommended).Sometimes a lender can send the same bad report about you to more than one CRB.This way,you’ll need to clear with all CRBs.
Below is a comprehensive guide on How to check your CRB status online in Kenya,Get report and Clear from defaulters list.
1.How to check your CRB status online using Metropol
First access Metropol website or download the Metropol Cysobol App
Then pay Ksh 100 as registration fees through the Paybill number 220388 after putting your ID number as your account number.
You will receive an SMS with your unique Code details, a Reference Number and a special link to your free credit report.
You can visit Metropol website and login to view your CRB status or the Metropol; application.
Alternatively,After registering, you can now dial *433# and input your National ID Number and you will receive your details via SMS
A Credit Score of ksh 150.You have the right to one free credit report in a year.
Metropol awards a score between 200 and 900, and with any score below 400 will translate that you’re a defaulter and lenders can’t give you loans.
Any score above 400 will mean fair and lenders will be in a position to give you loans with a lot of caution.
Good credit score is any score close to 900 and above lenders will give you cheap loans.
NOTE:To get clearance certificate you will need to pay Sh.2,200 for them to process.
How to Check CRB Status through SMS Code *433#
This is the easiest way of checking your CRB status because you don’t have to download any app or have data on your phone. It also recommended by Huduma Kenya. However, this method is not free. It will cost you ksh. 100.The procedures are outlined below
Enter you ID number (that you used to register the phone number/mpesa)
Use agent Code: 222000
Pay to Complete Registration
To Pay, Go to Mpesa and Select Lipa na Mpesa Menu, then Paybill
Business Number Enter: 220388
Account Number: Enter your ID
Enter ksh. 100
Metropol CRB Contacts
Office Location: Shelter Afrique, Upper hill area, Nairobi (Metropol Credit Reference Bureau Limited)
Phone number: 0709 834000
Email: [email protected] or you can also email Metropol CRB Kenya directly through their site. P.O BOX 35331-00200 Nairobi
Facebook: @Metropol CRB
Official website: http://metropol.co.ke/
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