Frequently Asked Questions


• Credit Reference Bureau is an institution licensed by the central bank to receive, store and process data shared by credit providers. They act as a data base and information is given to recipients in form of credit report. What is credit information?
• It means any negative or positive information regarding and individual or an entity’s credit worthiness, credit standing, credit capacity contained in their profile in regard to credit, assets, and financial obligation


• Customer identification details like name, ID number, address, contact details, dates of birth etc
• Credit status- loans, credit facilities etc
• Securities/collaterals given out
• Details of payments or default in payment


• One is required to pay the outstanding obligation to the lender and obtain a clearance certificate from the CRB


• It is a document showing that the individual or the entity has cleared with the lender. It is issued by the CRB showing that the person or entity has no negative information with the bureau at that particular time


• It is an electronic, written or other communication of any information relating to a person’s credit worthiness, credit standing, credit capacity, character or general reputation which is used to determine a person’s eligibility for credit.


• Non-performing loans, credit default, or late payment
• Bounced cheques without a technical reason
• Accounts compulsorily closed
• Proven cases of frauds and forgeries
• False declarations and statements
• Receivership, bankruptcy and liquidation
• Tendering of false securities
• Misappropriation of borrowed funds


• Any information on performing loans or other credit


• The act provides that if an account has not been paid for a period of 90 days on the 91st day the borrower must be listed.


• The lender is required to give 30 days’ notice to a borrower before listing. The notice may be to an individual address or through the media.


• Details will remain in the bureau for 5 years even after making a payment. That should not be a reason to be denied credit.


National Industrial Training Authority (NITA) is a state corporation established to promote highest standards in the quality and efficiency of industrial training in Kenya to ensure adequate supply of properly trained manpower at all levels.


• All employers are required to pay a levy for every employee in the organisation per month (kshs 50) for the purpose of developing staff capacity.

• Any training sponsored by an employer is refundable by NITA as long as the training provider used is accredited by NITA.

• To register as an employer with NITA download the form from NITA website.


• The employer should notify NITA 7 days before the training by filling the training application form

• Provide the names and copies of ID’S for the employees nominated to attend the training

• Attach the course content and timetable

• After the training, apply for reimbursement by attaching receipts as proof of payment

• NITA refunds employers quarterly for monies spend on training.


• Both In-house and open training qualify for NITA refund