Are you worried about your CRB status? Do you want to know if you are blacklisted or not? Do you want to clear your name and improve your credit score? If you answered yes to any of these questions, then this article is for you.
In this article, we will explain what CRB status is, how to check it online or offline, and how to clear it if you are listed as a defaulter.
Read on and find out everything you need to know about CRB status in Kenya.
What is CRB status?
CRB status is the state of your credit history as reported by the Credit Reference Bureaus (CRBs) in Kenya.
CRBs are licensed entities that collect and share information on your loan repayment behavior with lenders and other credit providers.
There are three main CRBs in Kenya: TransUnion, Metropol, and CreditInfo.
Your CRB status depends on timely or delayed payments, resulting in either a positive or negative status.
A positive CRB status signals a good credit history, increasing eligibility for loans with better terms.
A negative CRB status means that you have defaulted on your loans and debts and are blacklisted by the CRBs.
This can affect your ability to access credit and other financial services in the future.
How to check your CRB status online or offline
The most common methods are:
- Using USSD codes: You can dial *433# for Metropol, *21272# for TransUnion, or *699# for CreditInfo and follow the prompts to check your CRB status. You will need to pay a registration fee of Ksh 50 and an annual subscription fee of Ksh 100 to access this service.
- Using mobile apps: You can download the apps of the CRBs from the Google Play Store or the App Store and register with your details to check your CRB status. The apps are Metropol Crystobol, TransUnion Nipashe, and CreditInfo App. You will need to pay a registration fee of Ksh 50 and an annual subscription fee of Ksh 100 to access this service.
- Using websites: You can visit the websites of the CRBs and sign in with your credentials to check your CRB status. The websites are [Metropol](https://urbankenyans.com/crb-kenya-status/), [TransUnion](https://www.tuko.co.ke/269572-how-check-crb-status-online-kenya.html), and [CreditInfo](https://loanspot.io/ke/crb-status-how-check-your-crb-status-in-kenya/). You will need to pay a registration fee of Ksh 50 and an annual subscription fee of Ksh 100 to access this service.
- Using email: You can send an email to the CRBs with your details and request for your CRB status. The email addresses are [email protected] for Metropol, [email protected] for TransUnion, and [email protected] for CreditInfo. You will need to pay a registration fee of Ksh 50 and an annual subscription fee of Ksh 100 to access this service.
How to clear your CRB status if you are blacklisted
- Pay your outstanding loans and debts: The first and most important step is to pay off your overdue loans and debts to the lenders or credit providers that you owe. You can contact them and negotiate a payment plan that suits your situation. You can also use debt consolidation or refinancing services to reduce your interest rates and monthly payments.
- Get a clearance certificate from the CRBs: After paying your loans and debts, you can apply for a clearance certificate from the CRBs to prove that you have cleared your name. You will need to pay a fee of Ksh 2200 to each CRB to get the certificate. You can apply for the certificate online or offline using the methods mentioned above.
- Maintain a good credit history: Once you have cleared your CRB status, you should maintain a good credit history by paying your loans and debts on time and avoiding borrowing more than you can afford. You should also check your status regularly and report any errors or discrepancies to the CRBs for correction.
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Conclusion
CRB status is an important indicator of your financial health and reputation. It can affect your access to credit and other financial services in the future.
Therefore, you should check your CRB status online or offline and clear it if you are blacklisted.
By doing so, you will improve your credit score and enjoy more financial opportunities and benefits.
