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I've submitted all the requirements as requested

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Most financial institutions in Kenya use CRB records to determine whether you qualify for a loan or not. This is for both secured and unsecured loans. KCB bank is no different. Therefore, make sure that you have not defaulted in paying any loan before you apply.

If you have a negative or bad CRB rating because you have defaulted, then chances are you will not be given another loan until your clear.

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