Your Credit Score Matters
Understand, check, and improve your credit score in Kenya. Get access to better loans, lower interest rates, and financial freedom.
Credit Score Ranges
Credit scores in Kenya range from 200 to 900. Here's how your score is rated:
How to Check Your Credit Score
Kenya has three licensed Credit Reference Bureaus (CRBs). You can check your score from any of them:
What Affects Your Credit Score?
Payment History
Late payments, defaults, and missed payments hurt your score
Credit Utilization
How much of your available credit you're using
Credit History Length
Longer credit history improves your score
Types of Credit
Having different types of credit accounts
New Credit Applications
Too many applications in a short time can hurt your score
How to Improve Your Credit Score
Pay all bills on time
Set reminders or automatic payments to never miss a due date
Reduce existing debt
Pay down credit card balances and outstanding loans
Keep old accounts open
Old accounts with good history improve your score
Limit new credit applications
Each application creates a hard inquiry on your report
Check for errors
Review your credit report and dispute any inaccuracies
Ready to Check Your Credit Score?
Understanding your credit score is the first step to financial freedom.