Credit Reference Bureaus hold loan repayment data used by banks, Saccos and mobile lenders. Checking your file helps you spot errors before a job or loan application.
How to check
- Identify which bureau your lenders use (several are licensed by the Central Bank).
- Use the bureau’s official consumer portal or USSD/app listed on its website.
- Verify your identity with ID and contacts.
- Download or view your credit report.
- Dispute wrong listings through the bureau’s dispute process and with the lender.
HELB defaults can appear on CRB. See HELB repayment and CRB. Clear debts before sensitive job vetting; openings are on jobinkenya.co.ke.
