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If you borrow KCB Mpesa loan and you take more than 90 days to repay then your details are forwarded to CRB for listing as loan defaulter. You need to be pay the outstanding loan for your CRB status to be updated.
A CRB negative listing means you are a loan defaulter and therefore most banks will not issue a loan to such borrowers. You need to clear you name from CRB negative listing to stand a chance of getting a bank loan.
To know if you are listed in CRB, you need to use credit reference bureau companies (CRB).We have provided a list of CRB companies that you can use to check your credit status: CRB checking companies
Your name will be submitted to CRB as a negative performer if you do not repay your loan after 90 days of repayment period, if you have a bounced cheque, when you are involved in financial fraud, when you are in receivership, or when you have misappropriated borrowed funds
You should file a dispute with the Credit Reference Bureau that wrongful listed you in CRB as a defaulter. The Credit Reference Bureau Company will then contact the bank or financial institution that submitted your name for listing to provide more information on why they submitted your name.The Credit Reference Bureau will then give you a response and the way forward to have your name cleared or credit score information corrected. Here is a list of the three main Credit Reference Bureau companies in Kenya.