How To Get a CRB Clearance Certificate in Kenya

A CRB clearance certificate in Kenya is an official document issued by a licensed Credit Reference Bureau (CRB) confirming that you have no negative credit listings such as loan defaults, arrears, or unpaid obligations.

This certificate is widely required when applying for jobs, tenders, business registrations, and bank loans. It serves as proof that you maintain a good credit record and are in good standing with lenders.

Kenya has three licensed Credit Reference Bureaus, which include Metropol CRB, TransUnion CRB, and Creditinfo CRB, all regulated by the Central Bank of Kenya. If you have no outstanding debts, you can easily apply for and download your clearance certificate.

However, if you are listed for defaulting on a loan, you will first receive a credit report instead of a certificate, and you’ll need to clear your debts before reapplying.

How to Apply for a CRB Clearance Certificate in Kenya

There are several ways to get a CRB clearance certificate in Kenya, depending on which bureau you choose. The most common and convenient method is through Metropol CRB, which offers three options: via USSD code, the Crystobol App, or in person at a Huduma Centre or CRB agent.

1. Applying via USSD Code

This is the simplest and fastest method, ideal for users without smartphones or internet access.

• Dial *433# on a Safaricom line registered under your National ID.
• Follow the on-screen prompts to register and request your clearance certificate.
• Make payment through M-PESA using the details below:
  • PayBill Number: 186644
  • Account Number: Your National ID number
• Once payment is confirmed, you will receive an SMS containing a secure link to download your clearance certificate.

2. Applying via the Crystobol App

For smartphone users, the Crystobol App provides a digital and user-friendly process.

• Download the Crystobol App from the Google Play Store.
• Register using your National ID and personal mobile number.
• After registration, log in and select the option to apply for a clearance certificate.
• Pay via the in-app payment option using the same M-PESA PayBill details (186644) and your ID number as the account reference.
• You will then receive a download link for your certificate via SMS or email.

The app also allows users to check their credit score, access credit reports, and track listing updates directly.

3. Applying In Person (Huduma Centre or CRB Agent)

If you prefer an in-person process, you can visit any Huduma Centre or authorized Metropol CRB agent across the country.

• Carry your original National ID and a photocopy.
• Request to register for the clearance certificate service.
• Payment is made through M-PESA PayBill 186644, with your ID number as the account number.
• Once the payment is confirmed, you’ll receive an SMS with a link to download your CRB certificate.

Payment Process and Certificate Access

• PayBill Number: 186644
• Account Number: Your National ID Number
• Certificate Delivery: A download link is sent via SMS shortly after payment confirmation.

The entire process usually takes a few minutes to complete. However, if you have previous listings that need to be cleared, processing may take longer.

What to Do if You Are Negatively Listed

If your application returns a credit report instead of a clearance certificate, it means you have a negative listing on your credit file. In such a case:

1. Contact the lender that listed you and clear the outstanding balance.
2. Request for delisting immediately after clearing the debt. Most lenders submit updates to CRBs within 5–7 business days after repayment.
3. Once delisted, reapply for your clearance certificate through any of the CRB channels.

Checking Your Credit Status Before Applying

Before applying for a clearance certificate, it’s advisable to check your current credit status. You can do this affordably through the following methods:

• Metropol: Dial *433# or use the Crystobol App.
• TransUnion: Send your name to 21272 or visit their website.
• Creditinfo: Request your credit report via their official site.

Checking beforehand helps you know whether you are in good standing or need to clear existing debts first.

Important Tips for Applicants

• Always use official CRB websites or verified agents to avoid scams.
• For companies or business entities, use the business application forms available on each CRB’s website.
• Keep a copy of your M-PESA confirmation message for reference.
• Contact CRBs directly for assistance:
  • Metropol: creditbureau@metropol.co.ke
  • TransUnion: +254 768 262 495
  • Creditinfo: Live chat via their official website

If you experience delays in receiving your certificate, visit a CRB office or Huduma Centre in Nairobi or other major towns for help.

Jefferson Wachira is a writer at Africa Digest News, specializing in banking and finance trends, and their impact on African economies.

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Africa Digest News

http://digitalbankingnews.co.ke

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