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Banking & financeUpdated 1 min read

CRB listing in Kenya: how to check and dispute it

Lenders share default information with CRBs. You are entitled to a free report and to correct errors.

By Wakili Link Editorial

Credit reference bureaus (CRBs) collect and share information about how borrowers repay. A negative listing can block access to new credit.

Your rights

  • You can obtain a free credit report from each licensed CRB at least once a year.
  • A lender must notify you before submitting negative information.
  • You may dispute incorrect information, and the bureau must investigate and correct it within the regulated time.

How to dispute a listing

  1. Get your report from the CRB.
  2. Identify the incorrect entry and gather proof (statements, payment receipts, clearance letters).
  3. Lodge a dispute with the CRB and the lender.
  4. If unresolved, complain to the Central Bank of Kenya.

After you pay

Once a debt is settled, ask the lender for a clearance certificate and confirm that the CRB has updated your status.

Avoiding a listing

Communicate early with your lender; restructured loans that are kept current are reported differently from defaults.

This article is general information, not legal advice on your situation.

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    CRB listing in Kenya: how to check and dispute it