A CRB clearance certificate in Kenya proves you have no unpaid loans. It shows you’re creditworthy. Three licensed CRBs—TransUnion, Metropol, Creditinfo—provide it. You need it for loans, jobs, or government contracts.
| CRB Provider | Website | USSD Code | App Availability | Cost for Clearance Certificate |
|---|---|---|---|---|
| TransUnion | transunionafrica.com | *433# | Nipashe (Google Play) | Ksh 2,200 |
| Metropol | metropol.co.ke | *433# | Metropol Crystobol (Google Play, App Store) | Ksh 2,200 |
| Creditinfo | ke.creditinfo.com | None | None | Ksh 2,200 |
Why You Need a CRB Clearance Certificate
This document confirms your financial trustworthiness. Public sector employers require it for integrity checks. Banks need it for loan approvals. Government tenders demand it for contracts. Without it, you lose opportunities.
The certificate is valid only on its issuance date. CRBs update records daily. A defaulted loan prevents issuance until you clear it.
Common Scenarios Requiring CRB Clearance
- Loans: Banks check your credit history before approving.
- Jobs: Public roles need proof of financial integrity.
- Tenders: Businesses must show financial stability.
- Partnerships: Partners verify your credit reliability.
Step-by-Step Guide to Apply for a CRB Clearance Certificate
Here’s how to get your certificate. Each CRB makes the process simple.
Step 1: Check Your CRB Status
Verify your credit status first. Each CRB offers easy ways:
- TransUnion: Dial *433# or visit their website. Sign up with ID, email, phone. First report is free; others cost Ksh 50.
- Metropol: Use their app, dial *433#, or go to their site. Pay Ksh 100 via M-Pesa Paybill 220388 with your ID.
- Creditinfo: Register on their website with ID, email, phone. First report is free; extras cost Ksh 50.
Step 2: Clear Outstanding Debts
If your report shows a default, contact the lender. Pay the full debt or negotiate a settlement. Get a clearance letter. The CRB updates your status in 2-3 days.
Step 3: Apply for the Clearance Certificate
With a clean report, apply:
- TransUnion: Log in online or via Nipashe app. Pay Ksh 2,200 via M-Pesa Paybill 212121 with your ID. Email details to cert@transunion.co.ke. Receive it in 1-3 days.
- Metropol: Use their app or website. Pay Ksh 2,200 via M-Pesa Paybill 220388. Get it via email or app.
- Creditinfo: Choose “Personal Clearance” on their website. Submit form, ID, pay Ksh 2,200 via M-Pesa. Receive it in 2-3 days.
Step 4: Verify and Use Your Certificate
Ensure the certificate has correct details—name, ID, date. Print or use digitally. Apply when needed, as it expires in 24 hours.
Tips for a Smooth Application
- Reliable Internet: Use stable Wi(*(Fi for CRB websites.
- Accurate Info: Check ID, email, phone during signup.
- Settle Debts Early: Clear defaults to speed up the process.
- Choose a CRB: Pick the most convenient provider.
Maintaining a Clean Credit Record
- Pay loans on time.
- Monitor reports for errors or fraud.
- Dispute wrong listings via Tatua Center for free.
- Borrow only what you can repay.
Frequently Asked Questions About CRB Clearance Kenya
How much does it cost?
It’s Ksh 2,200 from TransUnion, Metropol, or Creditinfo.
Can I get it with a loan?
Yes, if you’re not in default. Timely payments keep you eligible.
How long is the process?
It takes 1-3 days, based on the CRB and lender updates.
What if I’m listed?
Clear the debt, get a clearance letter, then apply.
Does it stay valid?
No, it’s valid only on the issuance date.
Common Mistakes to Avoid
- Not Checking Status: Verify your credit report first.
- Delaying Debt: Pay defaults early.
- Wrong Info: Confirm ID and contact details.
- Early Request: Apply only when needed.
Why CRB Clearance Matters
A CRB certificate opens financial and job opportunities. It shows you’re reliable. In Kenya, good credit builds trust. Keep your record clean for success.
