How to Check CRB Status in Kenya
Your CRB (Credit Reference Bureau) status is an important financial record that shows your borrowing history. Lenders such as banks, microfinance institutions, and mobile loan apps use CRB reports to decide whether to give you credit. Knowing your CRB status helps you understand your creditworthiness and ensures you are not listed negatively. Here’s a simple guide on how to check your CRB status in Kenya.
Why You Should Check Your CRB Status
To confirm whether you are listed negatively or positively.
To monitor your loan repayment record.
To improve your chances of getting loans approved.
To detect and correct errors early if wrongly listed.
Ways to Check CRB Status in Kenya
1. Using USSD Codes
Some CRB-licensed companies provide USSD services for quick checks.
For example, dial *433# (Metropol) and follow the prompts.
Register with your Safaricom number, pay a small fee, and get your CRB status instantly.
2. Via SMS
Send an SMS with your ID number to the specific CRB provider.
You’ll receive a reply showing whether you are blacklisted or in good standing.
Some providers charge a small fee for this service.
3. Through CRB Mobile Apps
Download CRB apps such as Metropol Crystobol or TransUnion Nipashe from Google Play Store.
Register using your details.
Log in to view your CRB status and even access your full credit report.
4. Online via CRB Portals
Visit the official website of a licensed CRB provider.
Create an account using your ID number and phone number.
Pay the required fee and access your CRB status report.
Licensed CRB Companies in Kenya
The Central Bank of Kenya (CBK) licenses three official CRBs:
Metropol Credit Reference Bureau – Offers SMS, app, and portal services.
TransUnion CRB – Provides Nipashe app and SMS service.
Creditinfo Kenya – Offers detailed credit reports online.
Costs of Checking CRB Status
A basic status check may cost between Ksh 50 and Ksh 100.
A full credit report may cost up to Ksh 250 depending on the provider.
You are entitled to one free credit report every year from any CRB.
Tips for Managing Your CRB Record
Always repay loans on time to maintain a positive listing.
Avoid taking multiple loans if you are unsure of repayment.
Regularly check your CRB status to track your financial health.
If wrongly listed, contact your lender immediately to correct the record.
Common Questions About CRB Status
How do I know if I am blacklisted in CRB?
Check through USSD, SMS, or an app. If negatively listed, the report will show unpaid loans.
Can I be cleared from CRB if I repay my loan?
Yes, once you settle outstanding loans, your lender updates your status with the CRB.
How long does it take to be cleared from CRB?
It usually takes a few days after payment, depending on how fast your lender updates the bureau.
Is checking CRB status free?
You get one free report per year. Additional checks attract a small fee.
Conclusion
Checking your CRB status in Kenya is essential for managing your credit record and financial future. Whether via USSD, SMS, mobile apps, or online portals, the process is simple and affordable. Stay updated with your CRB report to protect your borrowing power and maintain a strong financial reputation.
