1. Introduction

Mwananchi Credit Limited is committed to responsible lending and full compliance with credit reporting regulations in Kenya.

As part of our operations, we share customer credit information with licensed Credit Reference Bureaus (CRBs) in accordance with applicable laws and regulatory requirements.

 2. What is a Credit Reference Bureau (CRB)?

A Credit Reference Bureau (CRB) is an organization that collects and maintains credit information about borrowers.

This information is used by lenders such as:

• Banks
• Microfinance institutions
• SACCOs
• Digital and non-bank lenders

to assess creditworthiness when reviewing loan applications.

 3. Why We Share Credit Information

We are required to share customer credit data with licensed CRBs as part of:

• Responsible lending practices
• Regulatory compliance
• Credit risk assessment

This ensures transparency in the financial system and helps lenders make informed decisions.

 4. What Information is Shared

We may share both positive and negative credit information, including:

Positive Information

• Timely loan repayments
• Loan completion records

 This helps improve your credit profile

Negative Information

• Missed or delayed payments
• Outstanding loan balances
• Days in arrears

 This may negatively affect your credit score

 5. When Information is Shared

Your credit information may be shared:

• During the lifecycle of your loan
• After due notice has been provided (where applicable)
• If your loan becomes overdue or remains unpaid

Mwananchi Credit reserves the right to submit credit data to CRBs without further notice after applicable requirements are met.

 6. Impact on Your Credit Score

Your repayment behavior directly affects your credit profile:

Good repayment history

• Improves your credit score
• Increases chances of future loan approvals

Late or missed payments

• Negatively affects your credit score
• May limit access to credit

 7. How to Maintain a Good Credit Record

To protect and improve your credit status:

• Pay your loan instalments on time
• Clear any outstanding arrears promptly
• Adhere to your agreed repayment schedule

Responsible repayment ensures continued access to financial services.

 8. Your Rights as a Customer

You have the right to:

• Access your credit report
• Dispute inaccurate information
• Request correction of your credit data

You are encouraged to regularly check your credit status.

 9. Licensed Credit Reference Bureaus in Kenya

You may obtain your credit report or make inquiries through the following CRBs:

📍 TransUnion CRB Kenya

Delta Corner Annex, Ring Road Westlands Lane, Nairobi
P.O. Box 46406 – 00100, Nairobi
📞 +254 (0) 20 3751360 / 517990
📧 info@transunion.co.ke

📍 Metropol CRB Limited

15th Floor, KCB Towers, Upper Hill, Nairobi
P.O. Box 35331 – 00200, Nairobi
📞 +254 (0) 20 2689881
📧 creditbureau@metropol.co.ke

📍 Creditinfo CRB Kenya

Park Suites, Parklands Road, Nairobi
P.O. Box 38941 – 00623, Nairobi
📞 +254 20 3757272
📧 cikinfo@creditinfo.co.ke

 10. Our Commitment to Responsible Credit Reporting

Mwananchi Credit is committed to:

• Accurate and fair reporting of credit information
• Compliance with regulatory requirements
• Supporting customers in maintaining good credit standing

 11. Contact Us

If you have questions regarding your credit information, please contact:

Mwananchi Credit Limited
📧 Email: info@mwananchicredit.com
📞 Phone: 0709 147 000