A Clearance Certificate from the Credit Reference Bureau (CRB) can be essential for certain job applications or specific circumstances where your creditworthiness needs verification. If you want to obtain a Clearance Certificate, follow these simple steps:
1. Register with a Licensed CRB: Before you can apply for a Clearance Certificate, ensure you are registered with one of the three licensed CRBs in Kenya, which are Metropol, TransUnion (CRB Africa), and Creditinfo. You can register with any of them, and it’s advisable to register with all three for comprehensive credit monitoring.
Metropol: Register on their website (metropol.co.ke or metropolcorporation.com) or dial *433# if you are a Safaricom customer. Pay a registration fee of Ksh100 and receive a code via SMS to access your credit report on their website.
TransUnion: Visit crbafrica.com or transunionafrica.com, fill in the required forms, and submit your details. Alternatively, you can also send your name to 21272 to register for a fee of Ksh50.
Creditinfo: Register on creditinfo.co.ke to receive your credit information yearly, and your credit report will be sent to your email address.
2. Obtain the Clearance Certificate: To apply for a Clearance Certificate, visit the website of the CRB you registered with. Complete the necessary steps and pay a processing fee of Ksh2200. Once your request is processed, you will be able to download and print your Clearance Certificate.
3. Clear Your Name (If Needed): If your credit report shows negative information due to unpaid debts, you’ll need to clear your name with the CRB. Identify the lender who reported the negative information, and communicate with them to resolve the outstanding debt. This may involve paying off the debt or providing proof that the reported information is incorrect.
4. Dispute Unfavorable Credit Information (Optional): If you believe that the credit information reported by CRB or lenders is inaccurate or misleading, you have the right to dispute it. However, legal actions may involve fees. In such cases, you can seek assistance from the Credit Information Sharing (CIS) Kenya, which offers free services through the Tatua Center.
Obtaining a Clearance Certificate ensures that your creditworthiness is verified, and it can be valuable in various situations. Stay proactive in managing your credit reputation and financial standing, as it plays a crucial role in your access to future credit facilities and opportunities.