It all started when Mary applied for a small business loan to expand her grocery shop.Everything was good untill the loan officer mentioned they need to check her CRB status.Earlier Mary had heard about the CRB but didn't fully understand its implications.She shrugged it off confident that her credit history was clean. Few days later,Mary received a call that his loan application was denied due to a negative CRB listing.She was taken aback.The officer explained to her that there was an outstanding mobile loan from two years ago,a mere 2000 KES which slipped her mind.They had already tarnished her credit records. Mary immediately felt frustrated and settled the debt and requested a clearance certificate from CRB.However it took weeks before his record was updated leaving her in a bind.Without the loan Mary struggled to keep up with the growing demands of her shop. Mary's experience taught her a valuable lesson about the importance of maintaining a good credit record.It was a wake up call,promoting her to be more diligent about her financial obligations.It wasn't just about securing a loan but about fostering trust and credibility in the financial system.