Credit Bureau in Rwanda

Your credit score determines your access to loans in Rwanda. Learn how the CRB system works and how to check your credit report.

What is a Credit Bureau?

A Credit Reference Bureau (CRB) in Rwanda is licensed by the National Bank of Rwanda (BNR) to collect and share credit information. All banks, microfinance institutions, SACCOs, and mobile money providers report your credit behavior to these bureaus.

Your MoKash loans, Bank of Kigali credit, Umurenge SACCO loans, and other borrowings all contribute to your credit profile. A positive credit history unlocks better loan terms and higher limits.

Licensed Credit Bureaus in Rwanda

TransUnion Rwanda

https://www.transunionrwanda.rw

Services:

✓ Individual Credit Reports
✓ Business Credit Reports
✓ Credit Scores
✓ Fraud Detection

How to Check:

Visit TransUnion office in Kigali, use their online portal, or dial *160*8*4#

CRB Africa Rwanda

https://www.crbafrica.com

Services:

✓ Credit Reports
✓ Credit Monitoring
✓ Identity Verification

How to Check:

How to Check Your Credit Score in Rwanda

USSD Method

Dial *160*8*4# from any mobile network to check instantly

Online Portal

Bank Branch

Visit Bank of Kigali, Equity or other partner banks

CRB Office

Visit TransUnion office in Kigali with National ID

Quick Check: Dial *160*8*4# for instant credit score

Tips to Improve Your Credit Score

✅ Pay MoKash loans before due date
✅ Maintain consistent Umurenge SACCO savings
✅ Keep bank account in good standing
✅ Build gradual credit history over time

❌ Avoid late payments on any loan
❌ Don't default on mobile money loans
❌ Avoid applying for too many loans
❌ Don't max out your available credit

Frequently Asked Questions

How long does negative information stay on my credit report?

In Rwanda, negative credit information stays on your report for 5 years from the date of settlement.

Can I dispute errors on my credit report?

Yes, contact TransUnion Rwanda directly. They are legally required to investigate and correct errors within 30 days.

Do MTN MoKash loans affect my credit score?

Yes, all mobile money loans including MoKash and MoMo Nyigire report to credit bureaus. Timely repayment improves your score.

What is a good credit score in Rwanda?

Scores above 650 are generally considered good. Above 750 is excellent and gives you access to the best loan terms.

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