In Kenya, your CRB status can make or break your access to loans, jobs, or credit. It reflects your borrowing behavior and whether lenders see you as a risk. To check your CRB status, you can use a USSD code, mobile app, or website from one of three licensed CRBs: Metropol, TransUnion, or Creditinfo.
Each provider has its own process, but the steps are straightforward. You’ll need your ID number, a working phone, and sometimes a small registration fee. Here’s a quick comparison before we dive deeper:
| CRB Provider | USSD Code | Mobile App | Website | SMS Option |
|---|---|---|---|---|
| Metropol | *433# | Crystobol | https://crystobol.metropol.co.ke | No |
| TransUnion | *433# | TransUnion Nipashe | https://www.transunionafrica.com/kenya | Send full name to 21272 |
| Creditinfo | Not available | Web-based | https://ke.creditinfo.com | No |
How to Check CRB Status with Metropol
Method 1: USSD Code
- Dial *433# on your mobile phone
- Enter your ID number
- Follow prompts to register
- Pay KES 50 via M-PESA for activation
- Once activated, request your CRB status
Method 2: Using the Crystobol App
- Download “Crystobol” from Google Play Store
- Register using your ID number
- Use the app to view your credit report
Method 3: Online Platform
- Visit Crystobol website
- Register or log in
- Submit your ID number
- View your credit information
How to Check CRB Status with TransUnion
Method 1: SMS
- Send your full name to 21272
- Follow the reply instructions
- You may be asked to verify with your ID number
- Your CRB status will be sent via SMS
Method 2: TransUnion Nipashe App
- Download the “TransUnion Nipashe” app from Google Play
- Register with your ID and personal details
- Get access to your full credit report
Method 3: Through the Website
- Visit TransUnion Kenya
- Create an account
- Request a credit report or CRB status check
How to Check CRB Status with Creditinfo
Creditinfo doesn’t use SMS or USSD. Instead, you use their website to check your credit status or download your free report.
Steps to Follow:
- Go to ke.creditinfo.com
- Register with your ID and personal details
- Log in to access your credit profile
- Download your report (you’re entitled to one free each year)
How to Know If You’re Blacklisted
A “Negative” or “Default” CRB status means you’re blacklisted. This often results from late loan payments or defaulting entirely. A “Good” or “Positive” rating means you’re in the clear.
How to Clear a Negative CRB Status
- Identify the lender that listed you
- Settle your outstanding loan or negotiate a payment plan
- Request the lender to update your record with the CRB
- Apply for a Clearance Certificate (optional but sometimes necessary)
When Do You Need a CRB Clearance Certificate?
You may need a clearance certificate when applying for:
- Government jobs or parastatal positions
- New business loans or credit facilities
- High-value contracts or tenders
Read: How to Get CRB Clearance in Kenya Fast and Easy
Is It Free to Check CRB Status?
Each CRB allows one free credit report per year (especially Creditinfo). However, SMS or app-based methods usually come with a small fee.
Common Signs Your CRB Status Might Be Negative
- Loan applications keep getting rejected
- You’ve defaulted on mobile loans (e.g., Fuliza, Tala, Branch)
- You’re receiving warning notices from lenders or apps
FAQs
How can I check if I’m blacklisted?
Check your CRB report through any of the CRB providers. A “Negative” or “Default” status means you’re blacklisted.
How much does it cost to check CRB status in Kenya?
Metropol charges KES 50 for registration. SMS charges may also apply depending on the CRB service used.
How often can I check my CRB status?
You can check as often as you like, but you only get one free report per year from Creditinfo.
Can I improve a negative CRB rating?
Yes. Settle your debts and request the lender to update your status with the CRB. It takes a few days to reflect.
Which CRB is the best to use?
All three are licensed and reliable. Metropol is often more user-friendly for mobile access.
