FAKE CRB CLEARANCE CERTIFICATE

HOW TO CREATE FAKE CRB CLEARANCE CERTIFICATE 

Check who has Blacklisted you

Want to know who has blacklisted you on CRB? Follow this procedure below.

• Dial *433# on your phone.
  
• Select who has listed me by Pressing 5 (Credit score, Credit report, clearance certificate, who has listed me)
  
• Press O.K
  
• Input your PIN (or if you have forgotten it Press 1 to reset. A new PIN will be sent to you via SMS)
  
• Press 1 to confirm if you want to know who has listed me and confirm by pressing O.K.
  
• You will be asked to pay Ksh 100 using MPESA to get who has listed me, Press 1. (Or press 0 to receive CRB payment instructions via SMS)
  
• Complete payment using m-pesa.
  
• You will receive a message from Metropol confirming payment has been received.
  
• Finally, you will receive a message confirming who has listed you on CRB.
  

NOTE : DONT THINK YOU CAN OUTSMART YOURSELF FORGING A CERTIFICATE.. IT IS AN OFFENCE UNDER CONSTITUTION OF KENYA UNDER PENAL CODE 349.

Hope this article will be useful at the end... 

To be blacklisted on CRB means, that you have been negatively listed for defaulting on agreed loan payments with a credit provider. This credit provider can be a bank, mobile lender, MFI, or a Sacco.

How long does it take to be listed on Metropol CRB by a credit provider? Well, if you default on a bank loan, you will be listed after 90 days of not making your loan repayment. When it comes to mobile lenders, the likes of Tala and Branch, they will list you after 30 days of nat making your loan repayment.

 

Get CRB Certificate of Clearance

1. Dial *433# on your phone (Make sure it’s a Safaricom line)
   
2. Enter your National ID Number
   
3. Next, you’ll be asked to Enter an agent number. Press zero (0) to continue.
   
4. Confirm your details
   
5. Make Payment of Ksh 100 as registration fees. (Use M-Pesa Paybill number 220388 for account number use your National ID number)
   
6. You will receive an SMS from Metropol with Crytobol PIN
   
7. Go to the Metropol website
   
8. Enter your PIN
   
9. Choose ‘Clearance Certificate’
   
10. You will need to Pay Ksh 2,200 for the certificate through the Paybill number 220388
    
11. Once this is successful, you proceed to download your certificate.
    

A clearance certificate is a certificate that is issued by a CRB to verify that you have not been negatively listed on CRB. This means that you have honored all your loan obligations to lenders and are consistently paying your debts without missing out.

 

Get CRB credit report

Need to get your credit report from CRB using Metropol, follow these steps.

• Dial *433# on your phone.
  
• Select credit report by Pressing 3 (Credit score, Credit report, clearance certificate, who has listed me)
  
• Press O.K
  
• Input your PIN (or if you have forgotten it Press 1 to reset. A new PIN will be sent to you via SMS)
  
• Press 1 to confirm if you want to know credit report and confirm by pressing O.K.
  
• You will be asked to pay Ksh 100 using MPESA to get who has listed me, Press 1. (Or press 0 to receive CRB payment instructions via SMS)
  
• Complete payment using m-pesa.
  
• You will receive a message from Metropol confirming payment has been received.
  
• Finally, you will receive an SMS message with a link to download your credit report and a Ref number.
  
• Open the link.
  
• Key in your telephone number.
  
• Then input the reference number.
  
• Press the download link that appears to download your credit report.
  

Register for the service:

To access your CRB status through the Metropol you will need to register on crystobol. You can do so by following these steps

• Dial *433#
  
• Enter your National ID number.
  
• Enter Agent number if not, Enter 0 to proceed.
  
• Confirm your details
  
• Pay Ksh 50 to complete registration.
  
• You will receive an SMS confirming your registration and PIN for Metropol Crystobol
  
• You also receive a link to your free credit report.
  

Next, download your free credit report from Metropol by following the link on your phone or clickinghere.

How to download the metropol Crystobol app

• Open the google play store on your phone.
  
• Search for Metropol crystolbol
  
• Select Metropol crystolbol
  
• Press install
  
• Wait for the app to download and install on your phone.
  
• Open the app.
  

Services offered by Metropol CRB

Additional services Metropol offers to customers are tools that help them negotiate favorable terms when applying and managing credit. These tools include

Credit reports:

This is a detailed account of a customer’s borrowing with all current credit providers and their performance. It lists all the credit accounts, in the past and present, and shows the repayment history of each account.

A credit report is used by lenders, such as banks or mobile loan apps, to see whether they will offer you loan facilities.

So it’s very important to be checking your credit report at least every 6 months if you do not borrow often. If you borrow loans often, then it’s advisable you get your credit report at least once every month.

Scores:

These are records of points that show how a consumer ranks in creditworthiness. There are different types of scores that Metropol keeps. These are PPI (payment Performance index), Metro score (also known as consumer credit score), and q-score.

Payment Performance Index:

This is a measure of how promptly customers (a borrower) meet their scheduled contractual financial obligations. (payback credit i.e. loans and utilities.) It looks at a customer’s payment habits. This score helps credit provides anticipate customer’s future behavior. The index of measurement ranges from M1 to M9.

Consumer Credit Score: This is a measure of a customer’s creditworthiness. It shows how likely a consumer is to pay credit lent out to them e.g. loans and meet their financial obligations. The score ranges from 200 to 900. Having a score of less than 400 indicates that the customer is in default. 

Q-score: This is referred to as data quality and quantity score.

 

Importance of Certificate of clearance (CoC):

It is becoming commonplace for the government and private sector to ask prospective employees to present a certificate of clearance from a licensed CRB. Certificate of clearance is used to know your Employee (KYE), Know your Customer (KYC), Know your Agent (KYA), or to clear a business person applying for a tender or doing business with SMEs or corporate clients.

Its actually a good thing to be honest and sincere to achieve the best in life rather than using a shortcut that will land you in jail

Do the payment that you borrowed in order to get cleared from crb since its worth.. there is no escape

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