A CRB (Credit Reference Bureau) is a company that collects data on loans issued by lending institutions, and consequently creates reports (known as credit reports) on a borrowers current and past loans. With this information, a CRB is able to draw out the repayment patterns of each borrower. Lenders will obtain your credit report and use this repayment information to determine if they will issue you with a loan.
|Trans Union CRB||Metropol CRB||Creditnfo CRB|
|2nd Floor, Prosperity House, Westlands Road
P.O. Box 46406, 00100
Telephone: +254 (0) 20 3751799/3751360/2/4/5
1st Floor, Shelter Afrique House, Longonot Road, Upper Hill
Accessing your Credit Report
The law entitles each borrower to access a free copy of their report once a year. Additional reports within the year will be purchased fromt the CRB. Borrowers are encouraged to frequently check the status of their credit report to ensure that the information in the report is correct and up to date. To access your credit report:
- Contact or pay a visit to any of the CRBs as indicated above
- Register on their mobile/online platforms to access the report as below:
This is a mobile service offered by Transunion CRB. To register:
This is a mobile service offered by Metropol CRB. To register:
This is a web-based online service offered by Creditinfo CRB. To register
Erroneous Information in the Report
A borrower should constantly check their credit report to verify that the information contained in the report is correct. If there is information that is not correct in the report, a borrower has a legal right to dispute the information. To lodge a dispute:
- The borrower should contact the CRB from which he/she obtained the report. The CRB will issue the borrower with a form through which he/she can highlight the erroneous information
- The CRB contacts the lending institution that provided the data to confirm the correctness of the information under dispute
- The lending institution is required to investigate and respond within fourteen days confirming either
- The information is correct and thus should remain as is;
- The information is erroneouss and thus should be deleted; or
- The information is not up-to-date, and send in the correct and up-to-date status.
- If a borrower is not content with the outcome, he/she is allowed to append a summary of the dispute which remains appended on the credit report.
CIS Kenya runs an independent Alternative Dispute Resolution Center (known as Tatua Center) that exclusively deals with CRB-Related disputes. Aggrieved borrowers can access the services of Tatua Center free of charge.