Credit Reference Bureaus (CRBs) are crucial in the credit flow in the formal financial sector, as they collect and provide information about borrowers' credit histories. This article delves into the concept of CRB Kenya, its history, the number of credit reference bureaus in the country, and various aspects related to credit scores and blacklisting. CRB Kenya What is CRB Kenya and How Did It Come to Existence? CRB Kenya refers to the credit reference bureaus operating within the country, regulated by the Central Bank of Kenya (CBK). The primary function of CRBs is to collect and maintain credit information from various lenders, including banks, microfinance institutions, and other credit providers. This information is used to generate credit reports and scores that lenders use to assess the creditworthiness of potential borrowers. Kenyan CRBs History The development of Credit Reference Bureaus (CRBs) in Kenya has been a progressive journey to improve the credit market's transp...