Wednesday, February 17, 2010

CREDIT REFERENCE BUREAU (CRB Africa)

Pursuant to the "Credit Reference Bureau Regulations 2008" CBK has finally licensed the first credit reference bureau to offer banking sector credit information sharing services. Note that the licensee shares the same generic name with the regulations. CRB Africa has been existence in Kenya for a while and has a presence in several other African countries. The Company is aslo associated with Collection Africa, a debt collection firm.

The basic function of a credit bureau is to enable banks share information about borrowers for business decision making i.e. credit granting decisions. The bureau also keeps a credit history record of the borrower and can even assign a score related to the credit history.

Good credit scores can ease access to more credit which could be an opportunity for SMEs to access credit without the restrictive collateral requirements.

More on the subject will follow.

125 comments:

Anonymous said...

I thought these organizations keep credit history record of the borrower
for maximum of 7 years????????
Just learnt that these organization have records dating back to 2000????

Joj said...

The lawyer requires they keep the information for 7 years after Final payment of the debt, that means if you clear 7 Years from today they keep it for 14 Years

開心唷 said...

wonderful...................................................

仲亨 said...

thank for share, it is very important . ̄︿ ̄..................................................

kamau said...

This is what the kenya credi consumers had been lacking, infact you should be "Mortgagors' watchdog"

Mos said...

Can cbr kenya give me a statement of my credit statement on request ?

CREDIT KENYA said...

You can get your credit report at a fee. You are also entitled to receive a free copy of a credit report annually or upon receipt of an adverse action notice from a lending institution

Mativo said...

Mos, its true you are entitled to one free report in a year. Write to reports@crbafrica.com to get your credit report.

Haji Ibrahim Abdalla said...

My name is Haji Ibrahim Abdalla I.D. 10377199
I was seeking a loan facility from NBK Kitale but denied due to an adverse report from you.
They claim my name is appearing on your records as a Deliquent person.
Have been taking Loans and servicing them as required.and also been paying my bills promptly.
Kindly let me no where you got the adverse information
Have been highly inconvenience and my name has been tarnished due to your records my email address hiabdallah@agrifinance.com

Anonymous said...

Haji you are not alone I also applied and was told I appear in CRB as delinquent even though the bank had failed to inform. I have since cleared my balance but still no info from the bank nor from crb

joshua c. k. said...

im joshua,id number 22283681.i was employed by equity bank ltd and subsequently offered a loan which is given to all new employees to buy home equipments.while servicing my loan, i was unlawfully sacked (summary dismisal) without any notice. i stayed for two years without job only to get a job two months ago and on 15th June 2011 i received a letter from CRB that i have been black listed. please advice because i would like to clear my loan but in small installements since my salary is a bit little. my email is kakundi.joshua@yahoo.com

Thanks.

Mativo said...

@Haji- i would advise you to get in touch with crbafrica as you will be able to know what institution forwared your information and you be advised on what to do

@ anonymous - did you check with crb if the information has been updated. This is quite critical and more so with the seven year rule applying

@ Joshua - what you can do is have check with your bank to commit yourself to the repayments and what will be happening is that the bank will be updating the bureau with your repayments to reflect the true position of your account (if listed)
Hope this helps.

CREDIT KENYA said...

@Mativo - Thanks

@joshua - check your email

Makado said...

Hi!u guys are doing a good job.question,how long does it take for student loan authorities (read HELB) to forward defaulters names to CRB considering it could take a while before someone gets a job especially in Kenya??

denis said...

I feel trapped by my being listed with CRB, especially now that i have cleared my obligation with the bank that forwarded my details. How can i be cleared so as i can access credit in other banks immediately.

CREDIT KENYA said...

Hi Denis,
Please note that a bureau is required to retain information on non-performing loans until the end of seven years after it is repaid. This does not mean that no lender is allowed to lend the borrower any money during this period. It only means that the lender will take extra caution and negotiation will become more difficult for such a borrower.

denis said...

@Credit Kenya; thank you for the prompt response. Like i said, i have cleared with the complainant bank and they have given me a letter to that effect, assuring me that plans are underway to have my status updated with the bureau. However, a loan am processing with another bank will go through if i can get a letter from the CRB confirming that i have FULLY AND SATISFACTORILY settled my account with the bank that forwarded my details. Is it possible for the bureau to give me a clearance letter if i can prove that i have cleared the first bank's claim?? Thank you.

Josphat Mwaniki said...

Hallo'' am a very disappointed Kenyan, i had loan with Kenya Eclof of which i was to clear the balance of ksh 29000 by oct 2011 and my savings were ksh43,978 even more than my loan balance of which i have so far cleared but last week i received information that my name is in your list,how can this happen and why yet i was not in any arrears of which ECLOF KENYA owned me about ksh 23000.

Josphat Mwaniki said...

how can i clear my name from your list since am not a defaulter? can i sue Eclof Kenya for the damage they have a costed me since this was after i had some differences with the officer who was in charge of the group and i do understand it was out of malice and miss understanding of each other?

CREDIT KENYA said...

@Josphat Customers have the right to dispute any information about them held in a credit reference bureau. The law and regulations also set out procedures for settling disputes. If a dispute is not settled within a specified time period, the disputed information will have to be removed from the databases of all credit reference bureaus. You should send your credit report disputes directly to the credit bureau that provided the report containing the error. You can dispute any incomplete or inaccurate information on your credit report.

Please note creditkenya.com is just an advisory portal and not at all related or affiliated to any credit bureau or credit provider.

Josphat Mwaniki said...

@ Credit kenya''Thank you for your respond but the problem is how one feel when his name is messdup by human error of which the damage is already done and the person who is responsible care not' i think its better for the Bureau to be requesting for proper informations like even the fainacial institution comunacations with the person concerned to avoid such mistakes.You know when a mistake happen nobody would agree to be blamed,like this one am the one who is claming to be refunded my savings yet i have been listed like a defaulter and the Loan repayment period is not even over,,

Anonymous said...

can co-operatives participate in credit referencing? what does the SACCO ACT say about debt the conduct of collectors?

Anonymous said...

Thank you for your good work, Q: my name is Xx i had a credit card which i was handling very well up to march 2010, I lost my job and for three years did not have finances at all. What could be the consequences from the bank.Can the interest be revised downwards just incase i get some little monies to pay from the date i stopped operating the account.Worried.
Kindly help.

CREDIT KENYA said...

@anonymous saccos are not yet linked to the credit referencing yet. It only applies to banks (for now.

@anonymous If you have not been servicing your credit card account, you may be in big financial trouble.
Better check your credit report and the balance due, then seek for a repayment arrangement before they come for you and your stuff

Anonymous said...

Dear CRB, i had not serviced my loan for 4 months, but i resumed after my bank tells me i have been listed as a delinquent borrower, is there a way this can be reversed, since i have been consistent with my repayments ever since?

Anonymous said...

Please note that this is a blog, not the CRB site. I think CRB needs to do some self promotion, increased transparency would also be in order.

Anonymous said...

I have a question for you and i believe you will be able to give a clear answer.
I took unsecured loan from a local bank sometimes in August 2009.My employer was deducting the monthly repayment from my salary and remitting the same to the bank.In february 2010 i lost my job and since then i have not been able to secure any job though i managed to pay my monthly instalment from my small saving till July 2010 when my savings became exhausted and therefore not able to make any further repayments. The Matatu that i had bought with the loaned amount was stolen after one month of it being on the road.
I know that i owe the bank and i will definitely resume paying my monthly instalment once i get a source of income. I suspect they have forwarded my name to your bureau.
Will i be cleared when i resume repayments? Thanks

CREDIT KENYA said...

You need to get your credit report from Credit Reference Bureau. You are entitled to a free copy of your credit report if you have not obtained one in the last twelve months. Check out their website www.crbafrica.com and request for your report.

In the event negative information is in your report, a bureau is required to retain information on non-performing loans until the end of seven years after it is repaid. This however does not mean that no lender is allowed to lend the borrower any money during this period. It only means that the lender will take extra caution and negotiation will become more difficult for such a borrower.

Anonymous said...

must one stay in crb blacklist for 7 years before being "freed?"

Sammy Kariuki said...

I had a loan with Equity bank which I had not cleared. After clearing my loan plus interest, they did not update my status to full payment from CRB. Can anyone please advice?

I've been applying for loans but am always denied due to my status.

kienjekuwanjiru said...

are guarantors forwarded to crb once those they guaranteed defaults

Anonymous said...

@Kariuki note that negative info is kept for seven years even if you clear your loan,plus banks can deny loans for other reasons

@Wanjiru only negative info of the defaulter is shared

Sammy Kariuki said...

After clearing my loan with Equity and my name still appears on CRB. After clearing my name from CRB, does it mean that I won't get any loans from my current facility?

Stephen Mbati said...

I have noted with concern that most of the defaulters are victims of circumstances. Most of them lost their jobs at some point and had no other source of income. i think the banks should compel employers to be pay the loans when they retrench staffs. Again there should be some consideration for those who are willing to resume paying their loans.

I have not understood why banks should charge hefty penalties to defaulted borrowers and again block them for 7 years from getting the facility. This is very unfair. Something must be done.

George andiego said...

hi,if you are a graduate who benefited from the HELB loan some times back,six years after graduation you are still unemployed and with no capital to start a business.how do you become a loan defaulter?

Anonymous said...

Is it possible to get my credit report online?

James Kim said...

How can i clear my name from your list.i was guaranteeing my friend a loan surprisingly i was told my name is on the list.have never defaulted any payment my payslip is up to date.who should take the responsibility?

Anonymous said...

i am x. took a loan with kcb stopped paying the loan how long will i be put to crb list

Anonymous said...

You can be listed the moment your loan is in default usually after ninety days

Anonymous said...

my name is ASHA SEFU JUMA:
I.D NUMBER 12488282.
PLEASE SEND ME MY REPORT THROUGH:
bosujumatatu@yahoo.com.

kimani said...

first i wish to congratulate you for the work you are doing,i think its important for people to keep healthy financial records,am also satisfied with the response you have been giving my other complainants.second i have a problem with CFC stanbic bank nakuru branch which listed me as a defaulter,they gave me a loan at the interest rate of 20% only to charge me interest rate of 42.5%I launched my complain with CBK officials who advised me to get the offer letter from cfc showing the terms of the loan.cfc bank refused to give me the offer letter saying it did does not give offer letter,i asked them how much was the outstanding balance by then so i clear,they gave me a figure which i gave them a cheque equivalent.after depositing the cheque with them they told me it was not enough,they deducted the installment due on that month and the rest of the money was left in my account.i withdrew that money and decided to push them to give me the letter which they declined,all they use to do is to threaten me with crb,on march 13 this year they did good their threat and listed me,i went and talked to one of the manager MR ken kanyarati NAIROBI ,i shared with him my concern and he deducted the excess amount from my loan balance(and that was my all i wanted all along).I paid the balance got a clearance letter both from CRB and cfc,but my problem is that my credit reputation was damaged,and i have to wait for seven years.That listing has affected me since even my bank equity did not consider the full amount i had applied even though i had earlier on gotten assurance that i would get the full amount.how can i clear my name with CRB.THANK KIMANI

kimani said...

am kimani who has un issue with cfc,you can reach me on my email.midmember@ymail.com

mwangi said...

i got listed in the crb and want to clear myself in order to get a loan what can i do

Ambrose Odhiambo said...

my name is ambrose odhiambo.you usually claim that crb does not tell lending institutions to deny credit to persons who have been listed(bt have cleared with the listing institution)I applied for a loan with coop bank last year bt it declined.wen I asked the person who was processing the loan she said that crb declined to approve my loan application!now whos is telling the truth?

ken monyoncho said...

Good evening

How can I get a CRB Report

Anonymous said...

halo I had a loan by M-shwari which I took a while before paying, later got a text informing me of being forwarded to you, how can I get know my detail with you. e-mail jimubery@yahoo.com

Anonymous said...

I took checkoff loan with kcb. No even single month my employer has opted to deduct my salary but i received a message from KCB my name has been forwared to CRB.When i reported the debt was immediately settled. .how?? where was my money going before?? any advise?

levis siminyu dome said...

crb am a helb beneficiary n you have blacklisted me yet upon completion of my course I got an accident hence not in a position to service my loan. Kindly help me get out of this list because its not my making. Levisdome@yahoo.com

Jack Owino said...

Mr. jack Owino,
i had taken a loan from Barclays Bank and i cleared it on 24th April 2012. i together with my family can not access any loan facilites for am informed that am listed with crb as a defaulter.
expecting a response from you as am contemplating legal actions against Barclays Bank and crb.

Jack Owino 00009145698 said...

Jack Owino
crn: 00009145698
I want my name to be cleared with crb so that me and my family can access credit facilities. i don't have an loan the loan in question i cleared on 24th April 2012.
Hoping to hear from you as am contemplating legal action.

Anonymous said...

Hi CRB, Kindly email me your physical location in Nrb. I need to clear my name as a requirement by my banker. C. Indieka (cdianga2001@yahoo.com)

Anonymous said...

I never took a loan but withdrew money that was deposited in my account by an unknown person. This has led to me being blacklisted. Can I pay back the money without an interest or what happens.pls advice

Anonymous said...

CRB, kindly email me your physical location and requirements for obtaining a clearance certificate from you. justluluza@yahoo.com

Anonymous said...

CRB, kindly email me your physical location and requirements for obtaining a clearance certificate from you. justluluza@yahoo.com

annet marura said...

Me too...I would like to get a clearance form.Kindly email the process ASAP..annetmarura@gmail.com

Anonymous said...

my id.is14586208.lpease give me my status and the institution that fowarded me to you.email..oopuru@yahoo.com

Anonymous said...

My id no is 21060796 pls send my report thru my email is khatijahanif55@gmail.com i need clearance form and need my name to be cleared frm your list thanks.

Anonymous said...

I am a beneficiary of helb loan and had serviced for 2 yrs before i switched jobs till 2010.I am blacklisted for not servicing.i visited the offices and i was told to pay atleast half of the amount and forward a schedule to my employer before am allowed to take any loan.Advice if it will work please.Thanks,James.

Anonymous said...

my id no is 13284275 i need clearance and the procedure to be taken for the same

Billy Wangia said...

hi. I recently cleared and amount which I was blacklisted with at CRB. I called safaricom and was given a number to call but haven't been able to get through. I have email with no response and I wanted to know if my name has been cleared. my id number is 24861843, kindly email your advice and procedure to my email address billywangia@gmail.com.

Anonymous said...

i have never and i will never take a bank loan. i know of many successful fellow who have never taken one and we still do very well.

Ann Muchera said...

Hi i cleared my loan but every time my bank pulls your report it shows i still have arrears. My ID NO is 27693451. kindly assist this has taken long. you can contact me through mucherakibaara@yahoo.com

Anonymous said...

How do I get clearance certificate from you?

Caleb Oyolo said...

hi,

is it possible for me to clear with the crb online? I had a loan which i paid but was told to clear with you, and kindly if not, then give me the procedure. you may mail me the details, oyoloenock@gmail.com

Anonymous said...

Help me up with procedures to clear my name from your last, dottianarichmond@gmail.com

Allan Oyudoh said...

my name is allan of safaricom number 0719266060 I had mshwari credit of 230 but had cleared hence my status hasn't been corrected. what should I do now its been long.
you can reach me through allanpaul49@yahoo.com.

Likura Evelyne said...

Please help me correct my name had mshwari credit of 230.I cleared but name was not corrected.reach me through Elikura21@gmail.com

Kamau Karanja said...

How do I clear my name from the cab list? I have no outstanding loans or defaults..?

Laban ng'ang'a said...

I am suprised that i cannot get a mobiloan from my bank KCB because CRB has listed me. I have never ever borrowed a loan from any bank. What is going on?

suzan munala said...

Hi, please clear my name from the blacklist or email me the procedure/ clearance form on suzanmoraa@yahoo.com. Suzan munala..ID 29374736.Thanks.

James Khaemba said...

I dont knw my credit status but im suspecting mayb im listed with you guys...I had an mshwari debt but I cleared though I cleared late..I have been trying to get some loans frm ma bank but I cant get..kindly check for me and let me knw if at all im listed..my id number is 24642070..ma email address is jameskhaemba66@yahoo.com..I will b gr8fl

Caroline Mugambi said...

hi,
My ID number is 23015749. I have never taken any loan from any Kenyan bank. I just discovered that I am listed in CRB from KCB after applying for a KCB-MPESA loan. I have also never received any prior notice from whichever institution that blacklisted me. Kindly give me the finer details regarding this issue. carolinemugambi2015@gmail.com

samia said...

my ID number is 24154674. i also need a statement since i was blacklisted for defaulting on HELB. kobiacn@gmail.com

Anonymous said...

My ID no. is 26307558. I don't have any outstanding loan from any bank but am listed by crb. Please clarify me on this and clear my name. My email is achyabdel@gmail.com

Daniel Olubero said...

Hi Credit Kenya. I really need to update and know my CRB status. Please let me know either here or dolubero@gmail.com.(ID 25291831)
Thanks

Bob Ooga said...

Good afternoon Credit Kenya
I would like to know why have been listed in the CRB yet I have not taken any loan neither do i have an outstanding balance apart from HELB which am committed in payment on a monthly basis.Please let me know through ooga.dominic@gmail.com.(ID 27103446)

Anonymous said...

My Id no.Is 10643295.can I know my CRB status?.send through email same an judging mail.com

Anonymous said...

The issue of Kenya is that ordinary citizens panic when they are told they will be left out in the Heaven to come. Personally i don't think i have a second to worry about credit reports. When you delay from paying a loan or actually default it, your guarantor gets penalized for late payments or even taking of properties that one availed to help as assurance.
Kenyans can panic yet the real thieves of public funds are protected by the so called laws of the nation. Credit Kenya is not real so people why cant you take a nap and instead of going to get a loan start saving your money in your house. When they need your money they come begging it in form of deposits yet when they do business with it... there comes a moment of harassment.
WAKE UP PEOPLE! this is the NEW WORLD ORDER IN PLACE FROM "THEM"
(ILLUMINATI"

Anonymous said...

I think it would be better not to pay the loan. Since whether or not i pay the loans your record is full of shit anyway.

Anonymous said...

Hi.crb would like to know crb status my ID is 25970726 or through nyorocn@gmail.com

John said...

Hi,crb
Would like to know who listed me with crb my ID no is 25596043 email kjchege9@gmail.com

Anonymous said...

Hello, I would like to get my credit statement. My e-mail address is lusalengews@yahoo.com. Please advise what I should do to get it.

Anonymous said...

Hello, I would like to get my credit statement. My e-mail address is lusalengews@yahoo.com. My ID number is 13456228.Please advise what I should do to get it.

Gidcon Agencies said...

hello i'm Gideon,i was getting an asset finance from a bank but was told i'm in crb.this is my first loan.how did i get my name there,please help get myself out of it.id 30448682 ,email gidconagencies@gmail.com

Gidcon Agencies said...

is my first loan

Ivan Birgen said...

Hello,
I am writing to inquire who listed me in CRB yet i paid my overdue Mshwari loan because i had thought about them. Tell me way of getting out my name out of CRB. ivanbirgen@gmail.com (id 25923991)

Anonymous said...

Hello my name is Jane I would like to know If am listed in Crb since am not getting loans in mshwari 29308626

Oscar Jack Mulama said...

I had m shwari loan I paid in may. My name still listed. My name is Oscar Jack Mulama Id no 20061700

Anonymous said...

hi am listed by crb and cant get access to loan at KCB. I dont have aloan as at now except mswari.kindly advice

steve

George Maina said...

Hey Am George.i was listed in CRB for defaulting a small credit from m-shwari but i cleared it.How can i get cleared from CRB?please assist
gm9511410@gmail.com

Anonymous said...

I want to know which organization was in a hurry to list me on CRB that i cant access loans? Jackson of Id no 22493315,, jakomondi@gmail.com

Anonymous said...

I cleared my name from Crb n paid the fine,got my certificate but still its not cleared.now am taking a loan with a bank n am being fined 1% again.what for?n y did I have to pay the fine then?n does it mean every time I apply for alone 'll have to pay the 1% of my loan?

Anonymous said...

Hello guys, can one have his friend listed at CRB for failing to pay a freindly loan they gave them?

Anonymous said...

Haha very funny.

evans odhiambo said...

hello....i had mshwari loan that was overdue but i paid it yet blacklisted,kindly assist on how to get out...vnsomm@gmail.com...id 31697083

mchizen said...

hello....i had mshwari loan that was overdue but i paid it yet blacklisted,kindly assist on how to get out...wanyama10m@gmail.com...id 25421655

Anonymous said...

i am vincent of id no. 28515830, would you kindly confirm for me whether i am blacklised with CRB..email..pandevincent25@gmail.com

Nana said...

Hi,am Nancy had mshwari loan that was overdue bt i paid it later how do i get cleared and obtain my clearance certificate.id no 28412269 nancymarch@gmail.com

Anonymous said...

Hi my househelp used the house line to acquire mshwari wthout my knowledge,later I learnt of it n paid only to be denied a salary advance because am listed with CRB.kindly help me get the clearence certificate asap.my brother cant go to school coz am denied funds.help this kenyan

Unknown said...

My email is owuortobby24@gmail.com 28298885

Evelyn Kanyi said...

Hello.

Pls advice the procedure to file a clients report with CRB. Email:kanyievelyn@gmail.com

David Ochieng said...

i need clearance form, i hand an m-shwari of 2150 loan but i had paid,

Jomki Nyuki said...

How much is the Fine?

CHARLES said...

Hi CRB KENYA
AM Charles and would like to know how long does one take before being listed to CRB kenya if he or she has a depth.muyakacharles@gmail.com

anderson said...

Hi CRB,
I would like to know which organization listed me on CRB that i cant access loans and how much do i owe them? Anderson of Id no 23118462,, wanjo85@gmail.com

maryanne said...

HI .HOW CAN I BE CLEARED AFTER REPAYING MY MSHWARI LOAN...MY EMAIL njokimaryanne3@gmail.com

samson kurukura sisanya said...

i am listed with credit reference bureau and i have pay mshwari loan my email skurukura118@gmail.com

moses said...

HEY CRB AM MOSES,I WOULD LIKE TO KNOW WHYIAM LISTED IN YOUR REFERENCE AND BY WHO MY ID IS 21761895 AND MY EMAIL,moses.njau@yahoo.com

ELIUD MBUGUA said...

Hey am Eliud Mbugua and was listed by helb and have since started paying and even acquired a compliance certificate from them but am still listed by helb, kindly assist. My email is eliudmbugua@gmail.com

Unknown said...

Hi,I'm Kenneth ochieng of ID no.27171098 i received a soft loan from branch international which was due by for repayment by early last month and I received a message that I've been blacklisted with CRB,kindly advice on how I can have my name removed from the blacklist in order to access any other loan.

Anonymous said...

CRB...I settled all my petty loans and now amstill being told I need to update my profile... I registered with 21272 and they gave me nothing helpful.please get back asap.ellianakl@gmail.com

Emmanuel Salano said...

I hate agreeing with you but I think you are damn right!!

Emmanuel Salano said...

I hate agreeing with you but I think you are damn right!!

Saad Yusuf said...

hello. am inquiring on the standard duration a lending institution is required to observe before submitting the details of a defaulted to be listed in crb black list?

Saad Yusuf said...

plz reply through Saad.yusuf.saad@gmail.com

Paul said...

Hello, good job you are doing i have a couple of questions
i) what are the factors that can make one not have a good crb report?
ii) suppose you have an on going loan which you are servicing appropriately can that be a factor for a bad report?
iii) where can I get my report and how long does it take?

musili mwathe said...

Hi, am ferns, i took a credit card from AFB which has since closed down its operations in Kenya.It happened that before they closed their operations, i had not cleared the amount and has since blacklisted me with CRB.Kindly assist me on how and where to settle the debt for me to be clered.

Anonymous said...

Hello, I would like to inquire something. I took a loan with Equity bank and we agreed with the bank that I will pay it in instalments. Then today I received a text message informing me that I have been listed. What kind of action are you people going to take? Because I'm a bit worried. Yet I will pay the loan in instalments.

agnes said...

Hi.can I get my crb report through email kendiagnes7@gmail.com
My I'd is 25904433

agnes said...

Hi.can I get my crb report through email kendiagnes7@gmail.com
My I'd is 25904433

CREDIT KENYA said...

I refer to the many queries above, get in touch with the bureaus directly on the contacts provided here;
http://www.creditkenya.com/2016/07/licensed-credit-reference-bureaus.html




Jared Mokuah said...

Hi my name jared mokuah tried to borrow a loan but was denied by equity bank they told me to clear with credit bureau please help what do I do to access loan

Jared Mokuah said...

I'd 24023868 email jnmokua@yahoo.com

Davis said...

Hi, can I get my CRB report through davistuda0@gmail.com?

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