Crb negative listing

Expires after 5 years. Your record reverts to nill. But your debts still remain. The creditors will still come for you if they so want.

Why is this all very important topic about crb so vague in Kenya? And to imagine how adversely it has affected so many lives, mine included!!!

crb listing is good, bora tu isifanye unyimwe job. ao lenders sio wazuri. ukianza biashara hawataki story zako, ukikua successful wanakufuata wakukopeshe, then kutoka hapo unajipata ushapoteza biashara yako.
policy yangu huwa, kula sumni, weka sumni. badala ya kulipa loan 5 years, save for 5 years. izi vitu tunanunua hakuna mahali zinaenda.

What do you mean? Since helb has listed me they will remove my name after five years even if I do not repay?

On the expiry of the 5 years, the bureaus should remove your negative listing due to the particular debt from their records unless you have been negatively cited again since then. The debt, however, remains. Ubaya, I have not seen any reviews from those whose siberia years have expired.

Mimi Nilifungua account ya NCBA ya current for TT payment na CDS. The ghasia took me round na wakaanza kuniuliza biz yangu iko wapi. I told them freelancing. Wanasema wanataka kujua Duka iko wapi. Nikajitoa the ghasia called me I told them wafunge hio account I don’t need it.
He said lazima nilipe 2k ya kumaintain it. I told them silipi for service not rendered. I asked them nisipo lipa watanipeleka wapi CRB. Niliwajibu NCBA is not a monopoly I will move opposite to Absa. I told them we don’t fear CRB anymore. Many Kenyans wametupwa huko. They will need to come with another criteria.

CRB in a poor shithole ni umeffi. Wakenya wamewekwa CRB mpaka wamechoka. Cash flow is king. Kuwa na cash flow uone financiers wakikutafuta wenyewe.

crb is not vague, actually cbk has tried educating folks on it, last time they said crb should not be used as a basis for denial but rather a basis for loan pricing, unfortunately in kenya banks treat folks who have been listed as enemies, they deny you very fast.

CRB should be disbanded for not serving Kenyans. Banks do not factor your positive listings to offer cheaper loans…Kazi ni kublacklist wakenya pekee.

CRB imemalisa vijana …

If you’re negatively listed, hakuna mahali utaipata loan

Life in siberia is terrible! Nilitaka kuchukua Huawei p40 Pro from Avechi hio lipa pole pole yao ikasema inataka crb certificate!!!

What kind of financiers?

Out of the over 40 banks regulated by CBK, go for the banana republics with shadowy owners. From experience, banks owned by Indians are easier to work with. It get sweeter if you decide to go the Sacco or microfinance way. Look for Saccos with weak systems and structures and you are half way there. Huko unatokelezea na bank statement with a vague statement on what economic value you are engaged in. Grease a few palms and credit access has never been easier.

your thinking is interesting… will start to look at purchases from that angle

He is making the assumption that inflation and capital gains are his best friend in his kula sumni weka sumni shenanigans.

Not exactly it’s just harder . I lower credit rating score means you are at a high risk of defaulting therefore utapewa a higher interest as compared to someone with a positive rating.

Kuna watu wamewekwa kwa crb ju ya 50 bob.

Well spoken…CRB was to help banks in pricing the interest rates for different individuals based on their CRB credit rating but they just use it in denying loans and don’t reciprocate in offering reduced rates when you have a positive rating. To be disbanded and everybody go home…

I agree lakini iko idea unaweza pata ibidi uchukue kaloan kiasi… Kuna investments unaweza fanya zilete up to 300% profits… Ulipe loan bila stress haraka sana na ubaki ukiingiza profits… Hapa ndio unaskiaga the future belongs to the risk takers not the comfort seekers… Bora ukienda kurisk usisahau kubeba akili