About CRBs

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.  

In Kenya, we have three CRBs; all licensed for operation and regulated by the Central Bank of Kenya:

 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
Web: www.transunionafrica.com  
Email: reports@crbafrica.com

1st Floor, Shelter Afrique House, Longonot Road, Upper Hill
P.O. Box 35331, 00200 NAIROBI, KENYA
Telephone: +254 (0) 20 2689881/27113575
Mobile: +254 727 413 733/ 732 774 666
Web: www.metropolcorporation.com
Email: creditbureau@metropol.co.ke

Office12, 2nd Floor, Park Suites, Parklands Road, Nairobi
Telephone: +254 20 3757272, +254 735 880880
Email: cikinfo@creditinfo.co.ke

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:

  1. Contact or pay a visit to any of the CRBs as indicated above
  2. Register on their mobile/online platforms to access the report as below:

This is a mobile service offered by Transunion CRB. To register:

  1. Send your name via SMS to 21272 (works for both feature phones and smart phones) 
  2. Follow the prompts. You may be required to pay a small registration fee via your registered M-Pesa number
  3. Upon successful registration, you will reveive an SMS with options to access your report. 
  4. Your report will be sent to you through an e-mail address that you will provide during registration. 

This is a mobile service offered by Metropol CRB. To register:

  1. Dial *433# on your mobile phone (works for both feature phones and smart phones)
  2. Key in your ID number and wait for an SMS response. 
  3. You may be required to pay a small registration fee via your registered M-Pesa number
  4. You will be issued with a password. Dial *433#, use the password to login. 
  5. Follow the options to access your credit report


This is a web-based online service offered by Creditinfo CRB. To register

  1. Go to http://creditinfo.co.ke/credit-report-requests (also accessible from a smart phone)
  2. Enter your details as required. During the Registration, you may be required to pay a small registration fee, payable from your registered M-Pesa number. 
  3. Once the registration process is complete, the credit report will be sent to the e-mail address provided during the registration process. 

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.