How To Know Whether You Are Blacklisted By CRB [Updated 2021]


Lets face it, there’s no such thing as ‘enough money’. Money in whatever proportion(s) will never be sufficient thus there’s always the need to look for more.

From the filthy rich billionaires to the middle class citizens to the dirt poor paupers,money plays a very vital role in their survival and ultimately creates a subsequent rift that divides them into social classes.

Therefore in the quest survival, whereby money is limited, via-a-vis a situation requiring a much larger amount, there is usually the option of taking loans.

Loans in other words are ‘lifesavers’ during financial difficulties. it entails borrowing a certain amount of money payable through a defined duration at a set interest rate.

Despite its advantages, there is also a downside to taking loans.This involves the inability to repay leading to a term referred to as a loan default.

A loan default rating should spell danger to any loanee. For example a loan defaulter here in Kenya risks being blacklisted by the CRB (Credit Reference Bureau) which means you will not be able to access ANY loan from whatever formal source for a period not exceeding 5 years.

To avoid such a scenario, its usually advisable to check your credit status by simply doing the following;

There are currently 3 licensed credit reference bureaus where you can obtain your credit report:


You get listed by CRB after you default a loan by at least 90 days. The law requires CRB to retain the default information for a period of 5 years from when the loan was cleared.

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1. For new applicants

  • Enter your ID number
  • Link phone number to your ID number
  • Pay KES 50 to MPESA paybill 220388  A/c number: *your ID number*
  • Upon successful payment, you will receive an sms with your PIN, REFERENCE NUMBER and a LINK to download your free credit report.
  • The PIN is to enable you access the service in future, the REFERENCE NUMBER is used to download the credit report from the LINK provided.

2. For already registered users

  • Enter your PIN ( incase you forgot, Call 0709 834 000 )
  • Choose your desired service request from a variety of options
    • Listing Status : Pay KES 50 to MPESA paybill 220388  A/c number: *your ID number*
    • Credit Score: Pay KES 150 to MPESA paybill 220388  A/c number: *your ID number*
    • Credit Report: Pay KES 250 to MPESA paybill 220388  A/c number: *your ID number*
    • Clearance certificate: Pay KES 2200 to MPESA paybill 220388  A/c number: *your ID number*
    • Who has listed me: Pay KES 50 to MPESA paybill 220388  A/c number: *your ID number*


1. SMS your full names to 21272

2. Enter your ID number

3. Reply with your desired service request

  • CR ( Credit Report)
    • Entitles you to 1 free credit report per year (Reply with your email address to access it)
    • For subsequent credit report : Pay KES 300 to MPESA/AIRTEL paybill 212121  A/c number: *your ID number*
  • CS ( Credit Status)
    • Good = positive credit rating
    • Default = negative credit rating
  • CC ( Clearance Certificate)
    • Pay KES 2200 to MPESA paybill 212121  A/c number: *your ID number*
    • Send payment details to and you will be emailed the certificate.


Categories: Loan Apps


434 replies

  1. i paid my clearence fee of 2200 and got clearence certificate back 26th of january 2018,what else a my supposed to do to be cleared?

  2. The crb clearance is too much in respect to status quo.

  3. I have already cleared but still blacklisted. Why so?

  4. have sent 100 to see who blacklisted me but have not yet received any sms y i think my 100 should reversed

  5. I have already paid all my loan please help me removed from crb

  6. i want loan

  7. I have paid my loan but they sill tell me that I have loan that has not been paid in another institution. can advise me which institution is that because i have paid my loan.


  9. nikilipa nitatolewa crb four how long. ? end how to get numbar yao.?


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