CORRECT INFORMATION
Found Incorrect CRB Information? Start With Evidence
A genuine dispute is about accuracy. Identify what is wrong, keep supporting documents and use the relevant bureau or lender process.
What counts as a dispute
A dispute challenges information that is factually incorrect, belongs to someone else, is duplicated, is fraudulent, or otherwise does not accurately reflect your credit record. An accurate item that simply needs a new payment update may be handled as an update or query instead.
Prepare before you submit
Your case is easier to investigate when you can identify the exact account and show supporting evidence.
- A copy of the credit report showing the item
- Identity documents requested by the bureau
- Payment receipts or settlement letters
- Account statements or lender correspondence
- Police or fraud documentation where identity theft is involved
Use official channels and keep the reference
Submit the dispute through the relevant licensed bureau’s official channel. Keep the dispute reference, copies of documents and dates. If the issue originates with a lender, communicate with the lender as well because the lender is normally the source of the reported account information.
YOUR CHECKLIST
Track your next steps
Tick each item as you complete it. Your progress stays on this device.
Official sources and further reading
Procedures and fees can change. Use these primary sources to confirm the current official position.
LEARN MORE
Helpful guides for your next question
How to Dispute Incorrect CRB Information in Kenya
A CRB dispute is for information you believe is factually wrong. The strongest dispute identifies the exact item and includes evidence.
Read guideDocuments You May Need for a CRB Dispute in Kenya
The exact documents depend on the type of error, but a good dispute normally identifies you, identifies the item and proves why the item is wrong.
Read guidePaid Your Loan but CRB Has Not Updated? What to Do
A recently paid loan that still shows the old balance may be an update issue rather than proof that someone must “remove” your record.
Read guideCRB Consumer Rights in Kenya: Credit Reports, Disputes and Your Data
Kenyan CRB rules provide consumers with important rights around access to their credit information and correction of inaccurate data.
Read guideCOMMON QUESTIONS
Questions about dispute incorrect crb information
Is a CRB dispute free?
Licensed bureau consumer-rights guidance states that consumers have a right to dispute inaccurate information without being charged for the dispute itself.
Should I apply for a new loan while a dispute is unresolved?
It may be better to understand and resolve the disputed information first, especially if it could materially affect a lender’s assessment.
What does checking my CRB status show?
It helps you understand the credit information associated with your profile. For the reasons behind a status, review the detailed credit report from a licensed bureau.
Is a CRB clearance certificate the same as deleting my history?
No. A certificate can confirm current standing; accurate historical credit information is handled under applicable reporting and retention rules.
Can I dispute information that is wrong?
Yes. Identify the exact inaccurate item, gather evidence and use the relevant licensed bureau or lender process.
Will CRB clearance guarantee a new loan?
No. Each lender applies its own affordability, income, risk and eligibility checks.
What information is needed for WhatsApp assistance?
Choose the service you need and enter your full name and ID number so the message arrives with useful context.
Does this website store my ID number in its analytics?
No. The website does not save the name or ID number entered into the WhatsApp form. The message is prepared on your device before WhatsApp opens.
READY WHEN YOU ARE
Choose your next step
Use the CRB Assistant, call, or prepare a WhatsApp request.