Metropol CRB: credit report, get clearance certificate and status check
Looking to get your credit report, clearance certificate and check status on Metropol CRB? This is your complete guide. Metropol CRB is an information and credit management company and is one of the three CRBs in Kenya. It was established in 1996 and is licensed by CBK to provide credit reference bureau (CRB) services to ALL banks and financial lenders in Kenya.
Need to access your CRB status, credit report, and clearance certificate using Metropol? Then you will find all the steps to do so here. Metropol CRB offers these products through its Crystobol service. This service is available by dialing USSD code *433# or through the Metropol Crystobol app that you can download from the Google Play Store.
Table of Contents
How to check your CRB status using Metropol
Need to check if you are listed on CRB? This is how you go about it. Check your metropol CRB status through USSD by dialing Metropol code *433# or by downloading the Metropol Crystopol app.
Check CRB status using ussd code *433# (Check if you are blacklisted)
Let’s take you through how to check your status if you want to use metropol CRB clearance through SMS / CRB USSD code *433#. Follow the steps below;
- Dial *433# on your phone.
- Select Listing status by Pressing 1 (Credit score, Credit report, clearance certificate, who has listed me)
- Input your PIN (or if you have forgotten it Press 1 to reset. A new PIN will be sent to you via SMS)
- Press 1 to confirm if you want to order for listing status.
- You will be asked to pay Ksh 50 using MPESA to get your listing status, Press 1. (Or press 0 to receive CRB payment instructions via SMS)
- Complete payment using m-pesa.
- You will receive a message from Metropol confirming payment has been received.
- Finally you will receive a message confirming whether or not you are listed on CRB. ***
Check who has Blacklisted you
Want to know who has blacklisted you on CRB? Then it is easy to use metropol CRB status check. Follow this procedure below.
- Dial *433# on your phone.
- Select who has listed me by Pressing 5 (Credit score, Credit report, clearance certificate, who has listed me)
- Press O.K
- Input your PIN (or if you have forgotten it Press 1 to reset. A new PIN will be sent to you via SMS)
- Press 1 to confirm if you want to know who has listed me and confirm by pressing O.K.
- You will be asked to pay Ksh 100 using MPESA to get who has listed me, Press 1. (Or press 0 to receive CRB payment instructions via SMS)
- Complete payment using m-pesa.
- You will receive a message from Metropol confirming payment has been received.
- Finally, you will receive a message confirming who has listed you on CRB.
To be blacklisted on CRB means, that you have been negatively listed for defaulting on agreed loan payments with a credit provider. This credit provider can be a bank, mobile lender, MFI, or a Sacco.
How long does it take to be listed on Metropol CRB by a credit provider? Well, if you default on a bank loan, you will be listed after 90 days of not making your loan repayment. When it comes to mobile lenders, the likes of Tala and Branch, they will list you after 30 days of not making your loan repayment.
Get CRB Certificate of Clearance
Here is how to get your clearance certificate from Metropol CRB in Kenya.
- Dial *433# on your phone (Make sure it’s a Safaricom line)
- Enter your National ID Number
- Next, you’ll be asked to Enter an agent number. Press zero (0) to continue.
- Confirm your details
- Make Payment of Ksh 100 as registration fees. (Use M-Pesa Paybill number 220388 for account number use your National ID number)
- You will receive an SMS from Metropol with Crytobol PIN
- Go to the Metropol website
- Enter your PIN
- Choose ‘Clearance Certificate’
- You will need to Pay Ksh 2,200 for the certificate through the Paybill number 220388
- Once this is successful, you proceed to download your certificate.
A clearance certificate is a certificate that is issued by a CRB to verify that you have not been negatively listed on CRB. This means that you have honoured all your loan obligations to lenders and are consistently paying your debts without missing out. Metropol CRB clearance certificate are easy to apply for and download.
Get CRB credit report
Need to get your credit report from CRB Metropol, follow these steps.
- Dial *433# on your phone.
- Select credit report by Pressing 3 (Credit score, Credit report, clearance certificate, who has listed me)
- Press O.K
- Input your PIN (or if you have forgotten it Press 1 to reset. A new PIN will be sent to you via SMS)
- Press 1 to confirm if you want to know credit report and confirm by pressing O.K.
- You will be asked to pay Ksh 100 using MPESA to get who has listed me, Press 1. (Or press 0 to receive CRB payment instructions via SMS)
- Complete payment using m-pesa.
- You will receive a message from Metropol confirming payment has been received.
- Finally, you will receive an SMS message with a link to download your credit report and a Ref number.
- Open the link.
- Key in your telephone number.
- Then input the reference number.
- Press the download link that appears to download your credit report.
Register for the service
To access your CRB status through Metropol you will need to register on Crystobol. You can do so by following these steps
- Dial *433#
- Enter your National ID number.
- Enter Agent number if not, Enter 0 to proceed.
- Confirm your details
- Pay Ksh 50 to complete registration.
- You will receive an SMS confirming your registration and PIN for Metropol Crystobol
- You also receive a link to your free credit report.
Next, download your free credit report from Metropol by following the link on your phone or clicking here.
The bureau services that are offered by Metropol get credit information from different data sources. These sources include MFIs, SACCOs, HELB, Utilities, mobile phone companies, and providers of goods and services on credit.
Metropol does this to help customers improve access to finance. Besides that, this information helps credit providers increase their capacity to lend profitably to more customers.
The bureau also supports credit providers in managing credit risk faced when they lend loan facilities to users. By doing this, they increase efficiency and lower the risk of defaults. As a result, credit providers can maximize their profits.
How to download the Metropol Crystobol app
These are the steps to follow to download the Metropol App on your phone.
- Open the google play store on your phone.
- Search for Metropol Crystobol
- Select Metropol Crystobol
- Press Install
- Wait for the app to download and install on your phone.
- Open the app.
Services offered by Metropol CRB
Additional services Metropol offers to customers are tools that help them negotiate favorable terms when applying for and managing credit. These tools include
Credit reports:
This is a detailed account of a customer’s borrowing with all current credit providers and their performance. It lists all the credit accounts, in the past and present, and shows the repayment history of each account.
A credit report is used by lenders, such as banks or mobile loan apps, to see whether they will offer you loan facilities.
So it’s very important to be checking your credit report at least every 6 months if you do not borrow often. If you borrow loans often, then it’s advisable you get your credit report at least once every month.
Scores:
These are records of points that show how a consumer ranks in creditworthiness. There are different types of scores that Metropol keeps. These are PPI (payment Performance index), Metro score (also known as consumer credit score), and q-score.
Payment Performance Index:
This is a measure of how promptly customers (a borrower) meet their scheduled contractual financial obligations. (payback credit i.e. loans and utilities.) It looks at a customer’s payment habits. This score helps credit provides anticipate customers’ future behavior. The index of measurement ranges from M1 to M9.
Consumer Credit Score: This is a measure of a customer’s creditworthiness. It shows how likely a consumer is to pay credit lent out to them e.g. loans and meet their financial obligations. The score ranges from 200 to 900. Having a score of less than 400 indicates that the customer is in default.
Q-score: This is referred to as data quality and quantity score.
Importance of Certificate of Clearance (CoC)
It is becoming commonplace for the government and private sector to ask prospective employees to present a certificate of clearance from a licensed CRB. A certificate of clearance is used to know your Employee (KYE), Know your Customer (KYC), Know your Agent (KYA), or to clear a business person applying for a tender or doing business with SMEs or corporate clients.
Metropol CRB Contact and location
Here is how to contact metropol CRB customer care.
- Barclays Plaza 9th floor GPO area.
- Mobile: 0709 834 000
- Website: https://www.metropol.co.ke/
Summary
Meropol CRB is a major player in the credit bureau industry in Kenya. As a credit reference bureau, it offers products such as credit reports, credit scores, and credit status. To access these products, you need to register on the Metropol Crystobol service which charges a small fee of KSH 50. They also have an Android app, Metropol Crystobol, that you can download from the google play store.
To conclude, Metropol offers reliable credit bureau services at an affordable price that is easy to use.
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