CreditInfo Kenya: Full Guide to Credit Reports, Scores and Clearance

Updated April 2026 • 7 min read

CreditInfo Kenya is the third of Kenya's three licensed Credit Reference Bureaus. Though less widely known among consumers compared to TransUnion and Metropol, CreditInfo plays an important role in Kenya's credit ecosystem and is required for comprehensive credit checks, tender applications, and some employment verifications. This full guide covers everything you need to know.

About CreditInfo Kenya

CreditInfo Kenya Limited is a subsidiary of CreditInfo Group, an international consumer and commercial information services company headquartered in Iceland with operations in over 30 countries across Europe, Africa, the Middle East, and Asia.

In Kenya, CreditInfo holds a licence from the Central Bank of Kenya (CBK) to operate as a Credit Reference Bureau. It collects data from member financial institutions — banks, MFIs, SACCOs, and other licensed lenders — and stores that data in a national credit database.

What Data Does CreditInfo Kenya Hold?

CreditInfo holds credit data reported by its member lenders:

  • Identity information: name, national ID number, phone number
  • Credit accounts: loan type, lender, date opened, credit limit, outstanding balance
  • Payment status per account: current or days overdue
  • Negative listings: defaults, write-offs, accounts in legal action
  • Credit enquiry records: who has queried your report and when

Note: CreditInfo may hold data different from TransUnion or Metropol because a lender chooses which bureau(s) to report to. Some lenders report to CreditInfo only; others report to all three.

CreditInfo Kenya Consumer Credit Report

As a consumer, you are entitled to access your CreditInfo credit report to know your credit history. The consumer report shows all the data CreditInfo holds about you, allow you to verify accuracy, and is used to generate a credit score.

How to Get Your CreditInfo Kenya Report

Option 1: Via crbcheck.co.ke

The fastest option: get a combined CRB status report covering data from all three bureaus at crbcheck.co.ke for KES 300 via M-Pesa. Instant delivery, no account setup required at each bureau.

Option 2: CreditInfo Direct Consumer Portal

  1. Visit creditinfo.co.ke
  2. Register a consumer account (ID number, phone number, email)
  3. Complete identity verification
  4. Request a consumer credit report
  5. Pay the applicable fee (~KES 650) via M-Pesa or bank card
  6. Download your report as a PDF

Option 3: Free Annual Report

By law, CreditInfo must provide one free credit report per year to each consumer. Contact CreditInfo Kenya to request your annual free report.

CreditInfo Kenya Credit Score

CreditInfo Kenya assigns a credit score to individuals and businesses based on the data it holds. The score predicts the probability of default on a credit obligation. A higher score indicates a lower risk to lenders.

For the exact score range and bands used by CreditInfo Kenya, consult your report, as CreditInfo's scoring model may vary slightly from TransUnion and Metropol.

CreditInfo Kenya Clearance Certificate

A clearance certificate from CreditInfo Kenya is an official document that confirms you have no negative CRB listings with them. It is commonly required for:

  • Government tender applications (which typically require clearance from all three bureaus)
  • Employment background checks (some corporate employers specify all three bureaus)
  • Formal loan applications requiring comprehensive credit checks

Steps to Get CreditInfo Clearance Certificate

  1. First check your CreditInfo report to confirm you have no listings
  2. Log into your CreditInfo consumer account at creditinfo.co.ke
  3. Select "Clearance Certificate" and fill in the application
  4. Pay ~KES 2,200 via M-Pesa or card
  5. Receive the certificate by email within 1–2 business days

If you have a negative listing, clear it first: pay the debt, get a clearance letter from the lender, submit it to CreditInfo, wait for the listing removal, then apply for the certificate.

Disputing an Inaccurate Listing at CreditInfo Kenya

If your CreditInfo report shows an inaccurate or fraudulent listing:

  1. Obtain your report to identify the disputed account
  2. Collect supporting evidence (repayment receipts, debt clearance letter from lender, bank statements)
  3. Submit a formal written dispute to CreditInfo Kenya via their portal or by email
  4. CreditInfo investigates (contacts the reporting lender) within 20 working days
  5. If the lender confirms an error or the debt is confirmed cleared, the record is corrected

CreditInfo Kenya vs TransUnion vs Metropol

For most consumer purposes, TransUnion and Metropol are more convenient due to their better consumer-facing platforms and wider lender coverage among commercial banks. CreditInfo is most relevant when:

  • A specific lender or institution requires a CreditInfo report
  • A government tender requires all three bureau certificates
  • You want complete visibility across all three bureaus
Combined check: Know your status across all three bureaus for KES 300 via M-Pesa. Check My CRB Status

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