CRB si nzuri kabisa. My mother used to borrow money on a certain bank akilipa. Anakopa akilipa. The last time akikopa that's is the forth time corona ikaingia. Vitu za kuuza zikaharibika. Maduka yakafungwa . So Hali ikawa ngumu. Bank nayo wanadai usiku na mchana. Eventually ikawa ngumu kulipia iyo 20k. Akalipa 8k akabaki na 12k. Siku zkapita then she was listed kwa CRB. So my little brother kutaka kujoin shule, kuenda kuàngalia kama aneza pata loan from another bank, akapata haiwezi make. She eventually paid that money first ndo akawa cleared .