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How to Check Your CRB Status in Kenya (2026 Guide): Process, Costs, and Tips

Have you ever applied for a loan only to face an unexpected rejection? In many cases, the culprit is a “ghost” from your financial past: your CRB status.

In 2026, maintaining a healthy credit score is more than just about borrowing; it’s about your financial reputation. Whether you are looking to secure a business boost or simply want peace of mind, here is everything you need to know about checking your CRB status today.

The Three Ways to Check Your Status In Kenya, there are three licensed Credit Reference Bureaus. You can access your report through any of them:

Metropol CRB: * How: Dial *433# or download the Crystobol App.

Cost: KES 50 for registration. You can then pay KES 150 for a detailed credit score.

TransUnion (Nipashe): * How: SMS your full name to 21272 or use the TransUnion Nipashe app.

Cost: Standard SMS rates apply for the initial check; detailed reports carry a separate fee.

Creditinfo Kenya:

How: Visit their online portal at creditinfo.co.ke to request a credit report via email.

What Do the Colors Mean? Green/Gold: You are a star borrower! Your repayments are on time, and lenders see you as low-risk.

Black: This indicates a “Negative Listing,” usually due to a default or late payments.

The Path to a Better Score Being “blacklisted” isn’t a life sentence. You can repair your status by:

Clearing Outstanding Debts: Contact your lender immediately to settle old balances.

Requesting a Clearance Certificate: Once cleared, you can get an official Certificate of Clearance (CoC) for KES 2,200.

Building a Fresh Trail: This is where Stawika comes in. By accessing microfinance facilities through a trusted partner and making consistent, on-time repayments, you demonstrate to the bureaus that you are a reliable borrower, gradually turning your status back to “Green.”