Banks, SACCOs and some lenders share borrower information with licensed credit reference bureaus. Your record shows how you repay loans.
The Financial Card
Borrowers are identified using a Financial Card or national ID details, which link credit history across lenders.
How to check your report
Request your report from a licensed credit reference bureau. You can request it periodically and dispute errors.
How to improve your score
- Repay on time, every time
- Avoid taking many loans at once
- Keep old accounts in good standing
- Settle overdue balances
Disputing errors
Contact the bureau and lender with evidence.
This is general information, not financial advice.
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