Free Checking of CRB Status in Kenya, Get report, Clear from Defaulters list

If you  took a loan, be it HELB loan, bank loan or mobile loan and have not paid as per the repayment time terms, you might be blacklisted and listed as a defaulter by  CRB. This article provides a guide on how to check CRB status in Kenya, how to get a CRB Report for free, how to contact crb, how to  clear with CRB and get out of the defaulters list (CRB: Credit Reference Bureau).

How to check CRB status in Kenya for free and  get getting clearance certificate
How to check CRB status in Kenya for free and get getting clearance certificate/Photo

Being listed as loan defaulter by CRB  in Kenya

Whenever you borrow money from any financial institution or credit advancing facilities it is always advisable to ensure that you repay your loan on time no matter how small the amount. The Credit Reference Bureau (CRB) is a platform that enables employers and loan or credit providers to check your status payment status i.e. whether you are a defaulter of if you pay your dues. Failure to pay loans borrowed from lenders like M-Shwari may affect you in future since once you get blacklisted by the CRB, you will be barred from processing any bank loans in future unless you pay your loan.

How to Check CRB Status in Kenya

The first thing that you should do when checking your CRB status is to make sure that you are registered by either all or one of the three companies accredited by the Central Bank of Kenya that is TransUnion CreditInfo and Metropol. It is however important to ensure that you are registered with all the companies because a lender may at times send your report to all the three companies.  Many employers and money lending institutions require a clearance certificate from CRB which is obtained after clearing with these three CRB credited companies.

How Check CRB status via Mobile App with TransUnion

I consider this the easiest, fastest ans best approach;

  1. Download TransUnion Nipashe app from Google Play store (For Android Users)
  2. Enter your ID number, Mobile Phone Number and names
  3. Check Status
  4. If GOOD! Message appears as shown in image the below then you are fine
Check CRB status in Kenya for free with TransUnion App
Check CRB status in Kenya for free with TransUnion App/Photo

NOTE: This process is absolutely free. If you need any further information than that then you need to pay kes 650. Getting a clearance certificate with Transunion will cost you Ksh. 2200.

To do this, you first have to visit the company’s website and register. The CRB certificate can be obtained later by sending the M-Pesa transaction text message to this mail cert@transunion.co.ke.

 Checking CRB status via SMS with TransUnion 

  • Send your names to 21272
  • Then, Enter your  National ID number
  • Choose CC (meaning Credit Status)
  • You will then Receive your CRB status. Good will mean you are not while default will mean you are blacklisted

 TransUnion Contacts

  • Office Location: Prosperity House, Westlands Rd, Off Museum Hill in Westlands, Nairobi.
  • Mobile Phone Number:  +254 20 3751799 or 0730651000
  • Email: info@transunion.com
  • Official website: http://www.transunionnipashe.co.ke

Get CRB Status in Kenya with Metropol

To Register with Metropol,

  • You will need to pay Ksh. 50 as registration fees through their Paybill number 220388 and use your national ID number as the account number.
  • You will then receive an SMS with your unique PIN details, a Reference Number and a special Link

You will then proceed to get several services that are offered by the company charged at a fee for instance credit Score at kes150, Credit Report at kes250 and the Clearance Certificate at kes2200. Metropol services can also be obtained through their website, dialing*433# and through the Metropol crystobol app.

Metropol sample CRB Clearance certificate
Metropol sample CRB Clearance certificate/Photo

Metropol CRB Contacts

  • Office Location: 9th Floor, Barclays Plaza, Loita street, Nairobi  (Metropol Credit Reference Bureau Limited)
  • Phone Number:  +254709834000
  • Official website: http://metropol.co.ke/

How to Check CRB Status through SMS Code 433

This is the best and easiest way of checking your CRB status because you don’t have to download any app. It laso recommended by Huduma Kenya. However, this method is not free. It will cost you ksh. 100. Below is the procedure;

  1. Dial *433#
  2. Enter you ID number (that you used to register the phone number/mpesa)
  3. Use agent Code: 222000
  4. Confirm Details
  5. Pay to Complete Registration
  6. To Pay, Go to Mpesa and Select Lipa na Mpesa Menu, then Paybill
  7. Business Number Enter: 220388
  8. Account Number: Enter your ID
  9. Enter ksh. 100
  10. The send

Video Guide on Checking CRB status via sms

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  • 24 comments

      1. Wat if you have loan in different account KCB, branch and TALA who will post you at CRB?

      1. Hello Fred, after you have cleared your loan, it takes roughly 48hours for your status on CRB to be updated showing you have cleared your loan. However, your bad performance status remains on the CRB data for up to 5years.

    1. Good evening i had taken a loan with Mshwari but i have cleared now awaiting feed back from you, but i seen another 770 kshs which i’m not aware of, i have also paid Kshs 700 to Airtel. trying to confirm after paying the 100 via pay bill no im getting such a response:
      Positive listing; StanCHART Bank , KCB, Commercial bank of Africa, Equity bank.
      Negative listing; Commercial bank of Africa, Barclays bank.

      1. Have paid m swari loan of 1030.,
        For how will it take to be cleared from Crb.
        If am not cleared what steps am I to follow so as to cleared

    2. This CRB thing is just a business of con men. Why cant I know who has blacklisted me. Why is it kept a secret. Why do I Pay to know who has black listed me?

    3. HELLO I HAD A LOAN BUT CLEARED AM NOW WONDERING THAT AM BLACKLISTED IN CRB HOW CAN I GET OFF WITH THAT AND WHO IS RESPONSIBLE

    4. I was posted in CRB after failing to pay my KCB-MPESA loan on time but i have now settled the loan and i want to apply for salary advance from KCB.Is it possible?

    5. i sent 2200/-to creditinfo credit bureau kenya ltd for my account on 20/02/2019 but since then i have not yet received my clearance certificate. why is this taking so long. and why is anyone answering the calls of the contacts listed

    6. Hello, why should unemployed youth listed and yet he/she has tried to repay his loan 2000 every month? Graduates should be considered special becouse they are not yet employed.

      1. If you know the institutions that submitted your name to CRB, ask them why they did so. Maybe somebody used your ID register Mpesa and took a loan and did not pay.

    7. i send 2200/ to my account to be cleared until now am still blacklisting so i wondering what happening to that office.

    8. I paid for my lender tala two months ago but still you have not update my account.They gave Metropol numbers to present but unfortunately I deleted the message how can I be help.I want to take money from Bank

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