Get your CRB credit report and clearance certificate
Central Bank of Kenya - licensed Credit Reference Bureaus · sources read 30 Sep 2026
Ask any of the three CBK-licensed credit bureaus (TransUnion, Creditinfo or Metropol) for your credit report. You get one free report from each bureau every year, and your first CRB clearance certificate is free.
- Fee
- FreeAnnual credit report (one per year, per bureau)FreeFirst CRB clearance certificate
- How long
- Within 5 working days
- Where
- Directly with a CBK-licensed credit reference bureau (TransUnion, Creditinfo or Metropol)
What you need
- Your ID, so the bureau can confirm who you are
Steps
- Pick a CBK-licensed bureau: TransUnion, Creditinfo or Metropol. You can check with all three, since each keeps its own records.
- Request your report or clearance certificate in writing, in person, by phone, email or online, and prove who you are.
- The bureau must send you your report within 5 working days.
- If anything is wrong or outdated, write to the bureau to dispute it.
Watch out
- Only the first clearance certificate and the yearly report are free. Other CRB services can carry fees the bureau sets with CBK approval.
- If a disputed entry isn't investigated within 21 days, it must be deleted.
- Lenders can't list you negatively for amounts of KSh 1,000 or less.
Who can apply
- Anyone can get their own credit report from each bureau, free at least once a year.
- You also get a free report within 30 days of a lender turning you down based on your credit information.
Official sources (4)
- The Banking (Credit Reference Bureau) Regulations, 2020 (Legal Notice 55 of 2020) centralbank.go.ke · read 30 Sep 2026
- Press Release: Update on the Credit Information Sharing Framework (11 Nov 2022) centralbank.go.ke · read 30 Sep 2026
- Bank Supervision Annual Report 2025 centralbank.go.ke · read 30 Sep 2026
- Bank Supervision centralbank.go.ke · read 30 Sep 2026