Can you apply for your CRB clearance online?
If you wish you to get a clearance from Credit Reference Bureau then the only way is to improve your creditworthiness and increase your chance of being granted a loan by any lender.
How does it work?
CRB collects data on loans issued by the lenders and creates credit reports of the borrower, which are based on the current and past loans. In Kenya, there are three CRB agents that are licensed for operation, which are regulated by the Central Bank of Kenya: Trans Union, Metropol , and Creditnfo.
A CRB clearance certificate from any of agents affirms your creditworthiness to the potential lenders. How to know your CRB status It is easy to know your status on CRB just by looking at your credit history with lenders. As long as you have never defaulted on loan repayment with a bank, mobile money platform, Higher Education Loans Board (HELB) or employer, then your creditworthiness is good and you are not in CRB.
So, what happens if you default? how do you find out?
Metropol:
1.Go to M-Pesa menu on your phone and send Kshs 50 via the Metropol Paybill number, which is 220338
2.Enter your ID as the account number An SMS with a unique pin, reference number, and a special link that to be followed to access the Metropol service will be sent to your phone.
3.Use the USSD code *433# to check your status.
4.Enter your pin, and you will receive an SMS on the listing status after a few minutes.
5.Alternatively, you can download the Metropol app from Playstore. Register, log in, make payment and request to view your listing status using the app.
6.You can also visit the Metropol website, register, log in, make a payment, and proceed to check your status.