How to Get Your Free Annual CRB Report in Kenya
Updated April 2026 • 5 min read
Your Legal Right to a Free Report
The Credit Reference Bureau Regulations 2013 (Regulation 28) grant every individual borrower in Kenya the right to receive one free credit report per calendar year from each licensed CRB. This means you can potentially access up to three free reports annually — one each from TransUnion Kenya, Metropol, and Creditinfo Kenya.
What the Free Report Includes
The free annual report from a bureau typically includes:
- Your personal identification details on file
- Full account history (active and closed credit accounts)
- Any negative listings (defaults, NPLs, write-offs)
- Recent credit enquiries
- A basic credit summary
Some bureaus provide a simplified version for the free report and charge for a detailed "Premium" version with full scoring analytics, score explanations, and lender-by-lender trade line details.
How to Request Your Free Report (By Bureau)
| Bureau | How to Request Free Report |
|---|---|
| TransUnion Kenya | Visit transunion.co.ke or their Westlands Nairobi office. Submit ID and request form. May require a small processing fee for physical delivery. |
| Metropol | Dial *433# (Safaricom) or visit metropol.co.ke. Registration required. First annual report free. |
| Creditinfo Kenya | Visit creditinfo.co.ke or Nairobi office. Submit ID form with written request citing Regulation 28 of the CRB Regulations. |
Note: Bureau processes and online availability can change. Contact each bureau directly for current procedures.
When to Get a FREE Report vs a Paid Report
| Scenario | Best Option |
|---|---|
| Annual routine check on your credit health | Free report (once per year from each bureau) |
| You have been denied a loan and want to know the reason now | Paid report via CRB Checker Kenya (fast, M-Pesa, results in minutes) |
| You are applying for a mortgage or large loan in the next few weeks | Paid report — you need it quickly and may need to share it with a lender |
| You suspect you have been fraudulently listed | Paid report (for speed) then dispute immediately |
| Already used your free report this year and need another | Paid report via CRB Checker Kenya |
The Practical Reality of the Free Report
While the free annual report is a legal right, the practical process at some bureaus can be slow. You may need to:
- Visit a physical office (Nairobi-based, which is not accessible for most Kenyans outside the city)
- Fill out a paper form
- Provide original ID documents
- Wait anywhere from same-day to a few business days for delivery
For Kenyans who need their report quickly, or who are outside Nairobi, paid online options like CRB Checker Kenya deliver a full report within minutes via M-Pesa at an affordable cost.
Get Your Report in Minutes via M-Pesa
Skip the office queue. CRB Checker Kenya delivers your official CRB report within minutes after M-Pesa payment — from anywhere in Kenya.
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