What is a CRB Certificate?
CRB means Credit Reference Bureau.
It stores your borrowing records from banks, mobile lenders, and SACCOs.
Your CRB report shows:
- Active loans.
- Cleared loans.
- Defaults or late payments.
- Your credit score.
You can request it online anytime.
Requirements for CRB Certificate Application
Before you start, prepare:
- Your National ID number.
- Phone number registered with your ID.
- Access to your phone for OTP verification.
- Registration cost (between kshs. 50 and kshs. 100)
- Certificate cost (Kshs 2,200).
- Internet access.
Step-by-Step: CRB Certificate Application
Kenya has three main CRBs: TransUnion, Metropol, and Creditinfo. The process is similar.
Step 1: Choose a CRB Platform
Visit one of the official CRB websites or use their mobile apps.
Most users prefer TransUnion because it’s simple and fast.
Step 2: Create an Account
Register using:
- ID number.
- Full names.
- Phone number.
- Email address.
An OTP code is sent to your phone for verification.
Step 3: Verify Your Identity
Enter the OTP sent via SMS.
Some platforms ask simple questions about your past loans.
This confirms you are the real owner of the ID.
Step 4: Log In to Your Account
After verification, log in using your ID number and password.
Your dashboard opens.
Step 5: Request Your Credit Report
Click Get Credit Report or Generate Certificate.
You choose between:
- Free report (limited times per year).
- Paid report (instant anytime).
Step 6: Make Payment
Pay using M-PESA.
Typical charges Ksh 2,200.
Confirm payment on your phone.
Step 7: Download Your CRB Certificate
After payment, your report is generated instantly.
You can:
- Download PDF.
- Print it.
- Email it.
How Long Does It Take?
Online CRB certificate application takes 5 to 10 minutes if your details are correct.
Printing takes a few more minutes at a cyber.
What If You Have a Bad CRB Record?
If your report shows defaults:
- Contact the lender.
- Clear the outstanding balance.
- Request a CRB clearance letter.
- Ask the lender to update your status.
Common Mistakes to Avoid
- Using a wrong phone number.
- Entering incorrect ID details.
- Skipping OTP verification.
- Downloading without saving the file.
Always double-check before submitting.
How Jotech Cyber Helps with CRB Applications
At JotechCyber.co.ke, we offer:
- CRB account registration help.
- Online application support.
- M-PESA payment assistance.
- Document printing and scanning.
- Credit report download and storage.
You save time and avoid errors.
Final Tip
Your CRB certificate affects your job chances and loan approvals.
Apply online, check your status early, and keep your report updated.
Visit Jotech Cyber for fast, professional CRB certificate application services in Kenya.
Email: info@jotechcyber.co.ke
Call/WhatsApp: +254 710 200 886
Also see: Requirements for Certificate of Good Conduct in Kenya
