Understand, check, and improve your credit score in Kenya. Get access to better loans, lower interest rates, and financial freedom.
Credit scores in Kenya range from 200 to 900. Here's how your score is rated:
You can check your credit score from all 3 licensed Credit Reference Bureaus in Kenya
Different lenders report to different bureaus. Your score may vary across the three CRBs. Always check all three to get the complete picture of your credit status.
Understand how credit scores work, what factors affect your score, and why it matters for your financial future.
Learn More âProven strategies to boost your credit score, from paying on time to managing debt effectively.
Get Strategies âDebunk common misconceptions about credit scores and CRB in Kenya. Separate fact from fiction.
Bust Myths âThe most important factor. Paying your loans, credit cards, and bills on time every month is crucial. Even one missed payment can significantly damage your score.
How much of your available credit you're using. Keep your debt below 30% of your total credit limit. For example, if your credit card limit is KES 100,000, try to keep the balance below KES 30,000.
How long you've had credit accounts. Older accounts with good payment history boost your score. Keep old credit cards active even if you don't use them much.
Types of credit you have - loans, credit cards, mortgages. Having a diverse mix shows you can handle different types of credit responsibly.
Recent credit applications and inquiries. Applying for too many loans or credit cards in a short time can hurt your score. Space out applications by at least 6 months.
Set up automatic payments or reminders to never miss a due date.
Check your credit report at least once every 3 months.
Use less than 30% of your available credit limit.
Don't apply for multiple loans or credit cards at once.
Save thousands of shillings on loans with rates 3-5% lower than standard offers. A 700+ score can reduce your loan cost by 20-30%.
Get loan approvals within hours instead of days. Banks prioritize applicants with excellent credit scores.
Qualify for larger loans - up to 10x your monthly salary instead of the standard 5x.
Access premium credit cards, mortgages, and business loans that aren't available to those with poor credit.
Start by checking your current score for free, then follow our proven strategies to improve it.