Credit Bureau in Tanzania
Understanding your credit score is key to getting better loan rates. Learn how credit bureaus work in Tanzania and how to check your credit report.
What is a Credit Bureau?
A Credit Reference Bureau (CRB) in Tanzania is an institution licensed by the Bank of Tanzania to collect, store, and share credit information about individuals and businesses. Banks and lenders use this information to assess your creditworthiness before approving loans.
Your credit score affects whether you get approved for loans, credit cards, and even mobile money loans like M-Pawa, Tigo Nivushe, and Timiza.
Licensed Credit Bureaus in Tanzania
Dun & Bradstreet Credit Bureau Tanzania
https://www.dnbcreditbureau.co.tz
Services:
- â Individual Credit Reports
- â Business Credit Reports
- â Credit Monitoring
How to Check:
Visit their office in Dar es Salaam or request online through their portal
Creditinfo Tanzania
https://www.creditinfo.co.tz
Services:
- â Credit Scores
- â Credit Reports
- â Identity Verification
How to Check:
Register on their website or visit authorized agents
How to Check Your Credit Score in Tanzania
Visit CRB Office
Go to D&B or Creditinfo office in Dar es Salaam with your National ID
Fill Request Form
Complete the credit report request form with your details
Pay Fee
Pay the small processing fee (TZS 5,000 - 10,000)
Get Report
Receive your credit report within 24-48 hours
Tips to Improve Your Credit Score
- â Pay all loans and bills on time
- â Keep mobile money loan repayments current
- â Don't apply for too many loans at once
- â Build consistent transaction history
- â Avoid defaulting on any loan
- â Don't ignore small debts - they add up
- â Avoid loan stacking (multiple active loans)
- â Don't use more than 30% of available credit
Frequently Asked Questions
How long does negative information stay on my credit report?
In Tanzania, negative credit information typically stays on your report for 5 years from the date of the incident.
Can I dispute errors on my credit report?
Yes, you can dispute any errors by contacting the credit bureau directly. They are required to investigate and correct any inaccuracies within 30 days.
Do mobile money loans affect my credit score?
Yes, all loans including M-Pawa, Tigo Nivushe, and Timiza report to credit bureaus. Timely repayment helps build your score, while defaults hurt it.