I had been avid user of loan apps,Tala,branch,Zenka,timiza, mshwari and kcb mpesa.

Fast forward during this year valentine I happened to be broke but since I knew the loan apps had my back,I planned and went to a date.

We reach the venue, ordered,drunk and ate..I had 2000/- and I knew I had limit in at least 3 loan apps that would amount to 5000/-.so we spent a total of 5500/- where I knew 1000/- would be her transport.

I received the shock of my life,no loan up would lend me a cent, miserable notifications of try again letter filled my inbox

Downloaded TransUnion app to confirm my fears,and viola..Kcb mpesa had blacklisted me for defaulting to pay Ksh 0.69,I was humbled,the look on my face was terrible..I lacked words to respond to the waitress both the valentine date and waitress knew I would not be able to pay.

Security were called and we're almost causing a scene..magic happened,one security guy pulled me aside and told me he knew a shy lock who would assist with 5k as security.

That is how I vowed to keep my credit records updated and in good books