The sports category has moved to a new website.

4 reasons you may need a CRB clearance certificate & how to get it

A CRB clearance certificate is a document that shows an individual's credit history and status.

Rubber stamping that says cleared
  • CRB clearance certificate is essential for financial and employment purposes in Kenya
  • It is issued by licensed Credit Reference Bureaus (CRBs) and indicates credit history status
  • Three licensed CRB agents in Kenya are Trans Union, Metropol, and Creditnfo

In Kenya, a Certificate of Clearance from the Credit Reference Bureau (CRB) is an essential document for various financial and employment purposes.

Whether you're looking to secure a loan, apply for a job, or just ensure your credit status is clean, understanding the process and importance of obtaining CRB clearance is crucial.

Here’s a detailed guide on how to get your CRB clearance, why you might need it, and the costs involved.

ADVERTISEMENT

A CRB clearance certificate is an official document issued by a Credit Reference Bureau that indicates your credit history status. It shows whether you have any outstanding debts or if you've defaulted on loans.

The Central Bank of Kenya licenses CRBs to collect, manage and distribute credit information.

ADVERTISEMENT

CRB collects data on loans issued by the lenders and creates credit reports of the borrower based on the current and past loans.

In Kenya, three CRB agents are licensed for operation, which are regulated by the Central Bank of Kenya: Trans Union, Metropol, and Creditnfo.

A CRB clearance certificate from any of the agents affirms your creditworthiness to the potential lenders.

  1. Loan applications: Banks and financial institutions require a CRB clearance certificate to assess your creditworthiness before approving loans. A positive credit report increases your chances of getting a loan.
  2. Employment: Some employers, especially in the financial sector, require CRB clearance certificates as part of their hiring process to ensure candidates have a good financial standing.
  3. Business partnerships: Potential business partners may request your CRB clearance to evaluate your financial reliability.
  4. Insurance: Certain insurance companies might request a CRB clearance to gauge the risk of insuring you.
ADVERTISEMENT
  1. Register and pay a total of Sh50 to PayBill number 212121. ...
  2. To get a certificate from this bureau pay Sh2200 to Paybill number 212121.
  3. Forward the M-pesa transaction message to e-mail-cert@transunion.co.ke.
  4. You will get an email with your clearance certificate or a credit status certificate
ADVERTISEMENT
  1. Visit the Credit site and click on the personal clearance certificate tab
  2. Fill in the form and pay the required fee of Sh2200
  3. An email will be sent back to you with your certificate

You will get a clearance certificate if you do not have a negative listing on your credit report. If you have a negative listing on your credit report, you will be issued a credit status certificate.

ADVERTISEMENT
  1. Go ahead and register with Metropol website or through their app
  2. Pay a registration fee of Sh100 via Paybill number 220388. Input your ID number as account number on Mpesa.
  3. Metropol will send you an SMS with a reference number, Crytobol PIN, plus a Link to view your credit report.
  4. Go back Metropol website and hit on 'Click here to Verify Certificate of Clearance'
  5. Pay a Clearance Certificate charges of Sh2200 to Paybill number 220388.
  6. You will be redirected to a page to include your Mobile number and the reference number. Once filled click affirmative.
  7. If using the app, open it and input the reference and device number
  8. The app will log in to account where you will be prompted to tap to view the Details of your certificate of clearance.

JOIN OUR PULSE COMMUNITY!

ADVERTISEMENT

Eyewitness? Submit your stories now via social or:

Email: news@pulselive.co.ke

Recommended articles

Kenya Power MD explains fate of idle prepaid meters post-upgrade deadline

Kenya Power MD explains fate of idle prepaid meters post-upgrade deadline

Explainer: What follows when an insurance company closes or collapses

Explainer: What follows when an insurance company closes or collapses

Kenya Power sets deadline for mandatory update of prepaid metres [How to update]

Kenya Power sets deadline for mandatory update of prepaid metres [How to update]

Gov't to offload shares in Stanbic Holdings, Housing Finance, & 4  other firms on NSE

Gov't to offload shares in Stanbic Holdings, Housing Finance, & 4 other firms on NSE

MKU billionaire taps ex-gov't press CEO to lead TV47 & Radio 47

MKU billionaire taps ex-gov't press CEO to lead TV47 & Radio 47

The power of trend trading in commodities: Strategies and insights

The power of trend trading in commodities: Strategies and insights

Regulator responds to S.K. Macharia's closure of Directline, gives way forward

Regulator responds to S.K. Macharia's closure of Directline, gives way forward

Billionaire S.K. Macharia shuts down company & fires all employees immediately

Billionaire S.K. Macharia shuts down company & fires all employees immediately

Job cuts looming as NMG announces restructuring plan

Job cuts looming as NMG announces restructuring plan

ADVERTISEMENT