Ever been denied a loan or credit in Kenya? Chances are your CRB (Credit Reference Bureau) status had something to do with it. Being listed in CRB can block you from accessing credit services but the good news is checking and clearing your status is easier than ever in 2025.

What Is CRB and Why Does It Matter?

CRB keeps track of your loan repayment behavior. If you default on loans from banks, mobile lenders (like M-Shwari or Tala), or SACCOs you may be blacklisted. This affects your credit score and ability to borrow money in future.

Top Licensed CRBs in Kenya

As of 2025 there are three main licensed CRBs:

  • TransUnion

  • Metropol

  • Creditinfo

How to Check Your CRB Status (Step-by-Step)

1. Via Metropol

  1. Dial *433# on your mobile phone.

  2. Enter your ID number and proceed with registration.

  3. You’ll be required to pay a registration fee of KSh 100 via M-Pesa Paybill 220388 (use your ID number as the account number).

  4. After registration you can check your credit status and credit score.

2. Via TransUnion Nipashe

  1. Send your full names to SMS number 21272.

  2. You will receive a message guiding you on how to register.

  3. To check your CRB status send your ID number to 21272 (costs KSh 50 per SMS).

3. Via Creditinfo

  1. Visit www.creditinfo.co.ke.

  2. Register for free and complete identity verification.

  3. Request your free credit report once every 12 months.

How to Clear Your CRB Listing

If you’re blacklisted follow these steps:

  1. Clear your loan with the respective lender (bank, M-Shwari, Tala, etc.).

  2. Request a clearance certificate or confirmation message from the lender.

  3. Submit proof to the CRB agency that listed you.

  4. The CRB will update your status within 1–3 business days.

Note: A CRB clearance certificate costs around KSh 2,200.

CRB Dos and Don’ts

  • Do monitor your credit score regularly

  • Do pay loans on time, even if it’s a small amount

  • Don’t ignore SMS alerts from lenders

  • Don’t pay brokers – always deal directly with CRBs

Conclusion

Having a clean CRB record is key to your financial future. Whether you’re applying for a bank loan, Fuliza or even a job that checks credit history, your CRB record matters.