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You qualify to be issued with a CRB certificate of clearance if you do not have a non-performing account. Therefore, if you took a loan and you have not defaulted, you will be issued with a CRB certificate of clearance. If you have defaulted, you will not be issued with one until you clear your name.
The cost of CRB certificate of clearance in Kenya is Kenya Shillings 2200. This amount is paid to the mpesa or bank account of the CRB Company that will provide you with a certificate of clearance
CRB certificate of clearance is valid for one day but some employers accept a CRB certificate that is up to one month old. This is because credit report information is regularly updated and your credit report may have changed a day after you were issued with a Certificate of clearance.
CRB certificate of clearance (COC) is a document that shows that a customer does not have any non-performing loan account as per the day of issuance of the certificate.
A number of factors are considered before you are issued a bank loan. One of the factors being your credit score or rating. If you have a low credit score then you will not be issued a loan even if your have a crb clearance certificate. Therefore, you need to consult your bank about your credit score.