How accurate is this CRB calculator?

This calculator provides an estimated score based on the five main factors that affect CRB scores: payment history (35%), credit utilization (30%), credit history length (15%), credit mix (10%), and recent inquiries (10%). For your exact score, request an official CRB report.

🎯 CRB Score Calculator Kenya

Q: How can I check my actual CRB score?

You can get your official CRB report from Metropol (www.metropol.co.ke), TransUnion Kenya (www.transunion.co.ke), or Creditinfo Kenya (www.creditinfo.co.ke). You are entitled to one free report per year from each bureau.

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What is a CRB Score? Your CRB score (200-900) shows how well you manage credit. Banks in Kenya use it to decide if they'll approve your loan and what interest rate to offer you.

PesaMarket's free CRB score estimator helps Kenyans understand their creditworthiness before applying for loans. Kenya has three licensed credit reference bureaus: TransUnion, Metropol, and Creditinfo. A good CRB score in Kenya ranges from 600-900, with scores above 700 considered excellent by most banks.

By PesaMarket Research Team · Last updated February 2026

Answer These Questions

1. Payment History (35% of score)How often do you pay on time?

Never missAlways late

Sometimes late

2. Credit Utilization (30% of score)How much of your credit limit do you use?

Under 30%Maxed out

High usage ⚠️

3. Credit History Length (15% of score)How long have you had credit?

10+ yearsBrand new

Average history

4. Credit Mix (10% of score)Do you have different types of credit?

Diverse mixOnly one type

Limited mix (1-2 types)

5. Recent Credit Inquiries (10% of score)How many loan applications in last 6 months?

NoneMany (5+)

Moderate (3-4 inquiries) ⚠️

Understanding Your CRB Score

Score Ranges

750 - 900: ExcellentBest rates, instant approval

700 - 749: Very GoodCompetitive rates, high approval

650 - 699: GoodModerate rates, good approval

600 - 649: FairHigher rates, limited options

200 - 599: PoorVery high rates, low approval

What Affects Your CRB Score?

Payment History35%

Do you pay your loans and bills on time?

Credit Utilization30%

How much of your credit limit do you use?

Credit History15%

How long have you had credit?

Credit Mix10%

Do you have different types of credit?

Recent Inquiries10%

How many loan applications have you made recently?

Frequently Asked Questions

What is a CRB score in Kenya?

A CRB (Credit Reference Bureau) score is a numerical representation of your creditworthiness, ranging from 200 to 900. It shows how reliably you repay loans and credit. Kenyan banks use CRB scores from Metropol, TransUnion, and Creditinfo to decide whether to approve your loan application.

What is a good CRB score in Kenya?

In Kenya, a good CRB score is 700 and above. Scores of 750+ are excellent and qualify you for the best interest rates. Scores between 650-699 are fair, while scores below 600 may result in loan rejection or very high interest rates.

How can I check my actual CRB score?

You can get your official CRB report from Metropol, TransUnion Kenya, or Creditinfo Kenya. You are entitled to one free report per year from each bureau.

How long does it take to improve my CRB score?

Improving your CRB score takes time. Small improvements can be seen in 3-6 months with consistent on-time payments. Significant improvements typically take 12-24 months. Negative items like defaults can stay on your report for up to 5 years in Kenya.

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