If you’ve ever wondered about your creditworthiness or whether you’re blacklisted in the Credit Reference Bureaus (CRB), you’re not alone. Many individuals are concerned about their financial reputation and how it might affect their access to credit. The good news is that checking your CRB status is now more convenient than ever. In this quick and easy guide, we’ll walk you through the steps to access your CRB status with Metropol and TransUnion, two of the licensed CRB companies in Kenya.
1. Metropol CRB
To check your CRB status with Metropol, you can use their website, Metropol Crystobol app, or USSD code *433#. Here’s how to do it:
Register With Metropol:
- Pay KES 50 as registration fees through the Paybill number 220388, with your ID number as the account number.
- Receive an SMS with your unique PIN details, Reference Number, and a special Link.
Access Metropol CRB Services:
- Dial *433# and enter your PIN to receive your listing status via SMS.
- Use the Metropol Crystobol app to login and view your CRB status.
- Visit the Metropol website, login, and view your listing status.
Other Metropol Services:
- Credit Score: Pay KES 150 for your credit score, ranging from 200 to 900. A score below 400 indicates you’re a defaulter, while above 400 suggests fair creditworthiness. A score near 900 means you have an excellent credit score.
- Credit Report: Pay KES 250 for a detailed report on your financial interactions with institutions.
- Who Listed You: Pay KES 50 to find out which institution listed you in the CRB.
- Clearance Certificate: Pay KES 2200 to get a clearance certificate after clearing all defaulted loans.
2. TransUnion CRB
Checking your CRB status with TransUnion is also straightforward. You can use their SMS service by sending your full names and ID number to 21272. Here’s how:
Register With TransUnion:
- Send your full names to 21272.
- Enter your ID number.
- Choose “CC” (Credit Status).
- Receive your CRB status, where “Good” means a positive status (not blacklisted) and “Default” means a negative status (blacklisted).
Other TransUnion Services:
- Credit Report (CR): You’re entitled to one free credit report in a year. Pay KES 650 to Paybill number 212121 and enter your ID as the account number to get more than one report in a year.
- Clearance Certificate (CC): Pay KES 2200 to Paybill number 212121 and enter your ID number as the account number. After payment, claim your certificate by sending the Mpesa message to cert@transunion.co.ke.
By following these steps, you can easily access your CRB status and manage your credit reputation effectively. Remember, maintaining a good credit history is vital for accessing future credit facilities and financial opportunities. Stay informed and be in control of your financial health.
