You cannot pay a CRB to remove a listing. The information comes from your lender, so a listing is cleared by fixing the account with the lender or by disputing it if it is wrong.
If the debt is genuine
- Get your report from each bureau to see who listed you and for how much (see check CRB status).
- Pay or agree a settlement with the lender, and keep the receipt.
- Ask the lender to update all bureaus. The account will then show as settled.
- Check your report again after a few weeks.
Settling does not erase history. Metropol states that bureaus keep non-performing loan records until the end of five years.
If the listing is wrong
Under the CRB Regulations 2020 you can dispute inaccurate, erroneous or outdated information in writing, free of charge:
- Within five working days the bureau must flag the item as under investigation and notify the lender.
- The lender must complete its investigation within 21 days and tell the bureau to delete, correct or keep the information.
- If you are still not satisfied, you can go to alternative dispute resolution, a court or the Central Bank of Kenya.
TransUnion warns that it never clears credit issues through social media or online ads and does not charge to investigate; anyone offering paid “CRB clearing” is a scam.
Frequently asked questions
Can I pay to be removed from CRB?
No. Bureaus only report what lenders submit. Settle with the lender or dispute wrong information.
How long does a dispute take?
The bureau acts within five working days and the lender has 21 days to investigate, under the CRB Regulations 2020.
Does settling remove my history?
No. The account shows as settled, but bureaus keep non-performing records for up to five years.
More: CRB hub · CBK-licensed digital lenders · Guides
Sources
- Banking (Credit Reference Bureau) Regulations, 2020 (Kenya Law) (checked 13 October 2026)
- Metropol CRB – FAQ (checked 13 October 2026)
- TransUnion Kenya – Nipashe (checked 13 October 2026)
