How to check your credit score and CRB status in Kenya
Last updated 31 October 2026
Before a loan app or a bank decides on you, a Credit Reference Bureau (CRB) already has a view of your credit. Checking your CRB score and status first means no surprises — and a chance to fix problems before they cost you a loan. With Verifisha you can check your Metropol and Creditinfo credit scores and CRB results online, with your consent. Here is how, and what the results mean.
What a credit score is in Kenya
A credit score is a number that sums up your credit history — how you have borrowed and repaid — so a lender can judge risk at a glance. In Kenya, scores are produced by licensed Credit Reference Bureaus, which is why people often call it your "CRB score" or "CRB status" — it is the same thing. Verifisha gives you your scores and results from Metropol and Creditinfo, two of the licensed bureaus, in one place.
Why your score matters
- Loan apps and banks use it to approve or decline you, and to set your limit and rate.
- A higher score generally means easier approval and better terms.
- A negative listing or default can drag it down and block borrowing.
- Landlords, SACCOs and some employers may consider it too.
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How to check your credit score on Verifisha
- 1
Create a free account
Sign up on Verifisha in a couple of minutes — no sales call needed.
- 2
Verify your identity
Confirm your identity with consent, so your report is tied securely to you.
- 3
Request your credit score
Run a self CRB check to pull your Metropol and Creditinfo scores and the detail behind them.
- 4
Read your score and act
See where you stand, spot any listing or error, and fix it before you apply for credit.
What your score means
Bureaus turn your history into a score and a risk band — broadly, the higher the score the lower the perceived risk. Rather than fixating on one number, look at what is behind it: any defaults or listings, how much you owe, and your repayment record. Those are the things a lender actually reacts to.
How to improve it before you borrow
- Clear or regularise any default, and get a clearance for anything settled.
- Dispute any listing that is wrong with the lender and the bureau.
- Repay on time — recent behaviour counts most.
- Avoid firing off many loan applications at once.
Credit scores, ranges and risk bands are set by the licensed Credit Reference Bureaus (Verifisha surfaces Metropol and Creditinfo) and can change. This is general information, not financial advice — confirm specifics with the bureau.
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Frequently asked questions
How do I check my credit score in Kenya?
Create a free Verifisha account, verify your identity, and run a self check to see your Metropol and Creditinfo credit scores online — along with the report behind them.
How do I check my CRB status and results?
Run a self check on Verifisha to see your CRB results — your current status and whether you are listed — from Metropol and Creditinfo, with the detail behind them.
Is a CRB score the same as a credit score?
Yes — in Kenya people use "CRB score", "CRB status" and "credit score" for the same thing: the picture a Credit Reference Bureau holds of your credit. Verifisha shows your Metropol and Creditinfo scores and results together.
Which credit bureaus does Verifisha use?
Verifisha provides your credit scores from Metropol and Creditinfo, two of Kenya’s licensed Credit Reference Bureaus, so you can see them together.
Does checking my own credit score lower it?
No. Checking your own score is a self-inquiry and does not harm it. What affects your score is your borrowing and repayment behaviour, not looking at it.
Is checking my credit score free?
By law you can get one free report a year from each licensed bureau directly. Verifisha gives you a fast, consent-led check of your Metropol and Creditinfo scores together, whenever you need to know where you stand.
What is a good credit score in Kenya?
Each bureau uses its own range and risk bands, and higher is better. Rather than a single cut-off, focus on a clean record with no defaults or negative listings — that is what gets loans approved.
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