TransUnion Kenya CRB Report: How to Get Yours
Updated April 2026 • 6 min read
TransUnion Kenya is one of three licensed Credit Reference Bureaus (CRBs) in Kenya. It holds credit data on millions of Kenyans and issues both consumer credit reports and clearance certificates. This guide explains everything you need to know about the TransUnion Kenya CRB report.
What Is TransUnion Kenya?
TransUnion Kenya (formerly known as Credit Reference Bureau Africa Limited — CRBA) is a subsidiary of TransUnion, a global credit reporting company operating in over 30 countries. It is licensed and regulated by the Central Bank of Kenya (CBK) to operate as a credit reference bureau in Kenya.
TransUnion Kenya collects credit data from banks, SACCOs, microfinance institutions, mobile lenders, and other regulated lenders, compiling it into consumer credit reports used by lenders when assessing loan applications.
What Does a TransUnion Kenya Credit Report Show?
A full TransUnion Kenya consumer credit report includes:
- Your personal identification details
- All credit accounts and facilities you hold or have held
- Payment history for each account (on time, late, default)
- Outstanding balances and credit limits
- Any negative listings (defaults, non-performing accounts)
- Record of credit enquiries by lenders
- Public record information if applicable
How to Get Your TransUnion Kenya Credit Report
Option 1: Via crbcheck.co.ke (Fastest)
At crbcheck.co.ke, get your full credit report instantly for KES 300 via M-Pesa. The process takes under 5 minutes:
- Sign up with your name, national ID, phone number, and email.
- Select your report type (Full Credit Report — KES 300).
- Pay via M-Pesa STK push.
- Receive your report immediately online — view and download as PDF.
Option 2: Directly via TransUnion Kenya Website
- Visit transunionkenya.com
- Register for a consumer account using your national ID.
- Complete identity verification.
- Purchase your report (TransUnion direct prices vary — typically KES 500–1,500 for a full report).
- Download your report from the portal.
Option 3: Free Annual Report (Direct from TransUnion)
By law, you are entitled to one free credit report per year from each bureau. To claim your free annual report from TransUnion Kenya, contact them directly via their website or office and request it using your ID details.
TransUnion Kenya Credit Clearance Certificate
If you need a formal clearance certificate (for employment or tenders), apply directly through the TransUnion Kenya consumer portal. Cost: approximately KES 2,200. The certificate is typically issued within 1–2 business days online.
What to Do If Your TransUnion Report Shows a Negative Listing
- Note the lender name, account number, and amount shown.
- Contact the lender to confirm validity and arrange repayment if valid.
- Get a clearance letter from the lender after repayment.
- File a dispute directly with TransUnion Kenya if the listing is incorrect.
- Re-check your report 30–90 days after resolution.
TransUnion Kenya vs. The Other CRBs
Kenya has three licensed CRBs: TransUnion Kenya, Metropol CRB, and CreditInfo Kenya. A lender may report to one, two, or all three. Your listings may appear differently on each bureau's report. For a complete picture, checking your combined status (as done at crbcheck.co.ke) is the safest approach.