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Banks take 90 days to list on CRB while mobile loan apps take One to six months to list a borrower on CRB as a negative performer for defaulting.
If you have cleared your loan and paid all the required fees including CRB clearance fee, then it takes about 48 hours for your information to be updated from being negatively listed to positively listed.
Your name will be submitted for negative listing to CRB if you default the loan for over 120 days (4 months) from the date you were given the loan.
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.
There is no way you can remove your name from CRB negative listing if you have not cleared your loan. You must clear you loan. Some people do claim they can help you to get your name cleared from CRB for free but that is not guaranteed.