What is CRB and How to Get Out of it in 2 Simple Ways

It’s frustrating, right? Don’t stress—Otachi has got you covered. Here’s a simple breakdown of how you can clean up your credit record and unlock new financial opportunities in just two steps.

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The Credit Reference Bureau (CRB) ukuwa a system yenye ina-track your borrowing history. Lenders u’share your repayment behaviours kwa CRB—kama unalipa on time, default, ama uko na outstanding loans.

So, how do you end up listed?

1️⃣ Defaulted loans: Uli-borrow na haukulipa back on time.

2️⃣ Forgotten loans: Ulichukua loan na ukalost track of it.

3️⃣ Too many loans: Uko na loan mob zenye hauko consistence on repayment

4️⃣ Late repayments: Kumiss deadlines ata kama uta lipa baadaye.

Hizi issues u-make lenders wakuone kama a high-risk borrower, yenye inaeza lead to loan rejections ama kupata very high interest rates in the future.

Kabla ya anything else, unafaa ku-confirm your CRB status. Here’s how:

Metropol:

• Tumia the USSD code *433# kwa simu yako, register, na follow hizo simple steps ku-get your report.

• Alternatively, unaeza download the Metropol app, register your details, na check online.

TransUnion:

• Tuma an SMS to 21272 ikiwa na your full name and ID number. Uta-receive further instructions vile uta-access your credit report.

• Unaeza pia tumia the TransUnion app ama ku-visit their physical office if needed.

Cost ya ku-check your status ina ranges between KSh 50–200.

Kama utajipa ukuwa listed kwa CRB, here’s how to fix it:

• Clear Outstanding Debts. Lipa all pending loans. Once done, unaeza request a clearance certificate ku-confirm kama ume settle kila kitu. Hii certificate ukuja at an extra cost.

• Dispute Incorrect Information. Kama uko listed due to an error, file a dispute na the CRB. Wao wata-investigate, na kama uko right, they’ll update records zako.

• Wait It Out. Negative listings ukaa on record for a maximum of five years. After hii period, your name itakuwa cleared automatically if no further issues arise.

A clean record ina increases chances zako za loan approval, ku-secures lower interest rates, na pia ku-unlocks new financial opportunities.

Usi-let a bad CRB record ku-hold you back from achieving your goals. Take control of your financial health today— kwa kufuatilia hizi two simple steps

Ku-learn more kuhusu CRB NA Loans check hizi links below.

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2️⃣ Kenya’s Credit Reference Bu...

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