How to Get Your Free Annual CRB Report in Kenya
Updated April 2026 • 5 min read
Most Kenyans don't know they are entitled to a free credit report every year — from each of Kenya's three Credit Reference Bureaus. That is three free reports annually, one from TransUnion Kenya, one from Metropol CRB, and one from CreditInfo Kenya. This guide explains how to claim yours.
Legal Basis: Why Are the Reports Free?
The Credit Reference Bureau Regulations (2013), as amended by the Central Bank of Kenya, require each licensed CRB to provide at least one free credit report per year to every consumer who requests it. This right applies regardless of whether you have any credit facilities or negative listings.
The free report contains the same information as a paid report: all credit accounts, payment history, negative listings, enquiry records, and credit score.
When Should You Get Your Free Annual Report?
Good practice is to claim your free report:
- At the start of each calendar year (January–February) to review your credit standing
- Before applying for any significant credit (mortgage, car loan, SACCO loan)
- After repaying a loan, to confirm the listing has been removed
- If you suspect fraudulent activity on your name
How to Get Your Free Report from TransUnion Kenya
- Visit transunionkenya.com
- Create a consumer account (if you do not already have one) using your ID number, phone number, and email
- Log in and navigate to "My Credit Report"
- Look for the "Free Annual Report" option — it should be available once every 12 months
- Confirm your identity and submit the request
- Download your report as a PDF
If you have difficulty finding the free report option online, contact TransUnion Kenya directly (see their website for current contact details) and request the free annual report by email.
How to Get Your Free Report from Metropol CRB
- Visit metropol.co.ke
- Register or log in to your consumer account
- Navigate to "Free Annual Report"
- Alternatively, dial *433# and select the free report option
- Confirm your identity and submit the request
- Receive the report via email or download from the portal
How to Get Your Free Report from CreditInfo Kenya
- Visit creditinfo.co.ke
- Register a consumer account with your ID number and email
- Navigate to consumer services and select "Free Annual Credit Report"
- Complete identity verification and request the report
- Download or receive the report by email
If the free report option is not clearly visible on the website, contact CreditInfo Kenya by phone or email and request it explicitly, citing your right under the CBK CRB Regulations.
What to Do After Receiving Your Free Report
- Check your personal details — confirm your name, ID number, and phone number are correct
- Review all credit accounts — verify every account listed belongs to you
- Check for negative listings — any defaults, write-offs, or overdue accounts
- Look at recent enquiries — unexpected enquiries may indicate identity fraud
- Note your credit score — use it as a benchmark for improvement
What If You Find an Error?
If any information is inaccurate, file a dispute with the specific bureau immediately:
- Gather evidence (repayment receipts, bank statements, debt clearance letters)
- Submit a dispute via the bureau's online portal or in writing
- The bureau investigates within 20 working days and corrects confirmed errors
Free vs Paid Reports: What Is the Difference?
The content is the same. The one substantive difference: a clearance certificate (an official document for employers and lenders) is a separate, paid product (~KES 2,200). The free annual report is a consumer self-service tool for monitoring your data, not a formal clearance document.
Quickest Way to Check Before Getting the Free Report
If you need a quick status check rather than a full detailed report, crbcheck.co.ke gives you a combined CRB status for KES 300 in minutes — useful before loan or job applications when speed matters.