Bureau score
319
High risk
Live exposure
KES 39,107
4 open accounts carrying a balance
Currently overdue
KES 15,810
worst 1577 days past due
Adverse accounts
1
worst ever 1577 days
New credit, 12m
11
8 in the last 6 months
Bureau score and payment performance
Metro score
Band labels are the market's reading of the range, not Metropol's own cut-offs — the bureau publishes none.
Source: Metropol CRB · credit_score · report 10 · trx 81cc4ba0
12-month score trend
Not available
Report 12 carries the monthly score trend. It was not part of this pull.
Where the exposure sits
Account status
48 accountsOpen with a nil balance is counted separately: the account is reported live but nothing is owed, so it is not exposure.
Interchange reading of Metropol data · account_info statuses and balances
Accounts by sector
as reportedOne measure across sectors, so one colour — length carries the comparison.
Source: Metropol CRB · lender_sector · report 10 · trx 81cc4ba0
Accounts by sector
the bureau's table| Sector | All accounts | Non-performing | Performing, default history | Performing, clean |
|---|---|---|---|---|
| Banks | 44 | 1 | 0 | 43 |
| Other lenders | 4 | 0 | 0 | 4 |
| Total | 48 | 1 | 0 | 47 |
The API groups every non-bank lender, digital credit providers included, as Other lenders. The bureau's printed report splits that group further, so its sector rows can differ while the totals agree.
Source: Metropol CRB · lender_sector · report 10 · trx 81cc4ba0
Arrears distribution
every account on fileDays past due are as of each lender's last submission — between 7 and 2046 days ago, not today.
Interchange reading of Metropol data · days_in_arrears by band
When accounts were opened
3 Feb 2021 to 31 Aug 2026One mark per account, height by size. Clusters are the signal — several facilities opened in one month is stacking, which a monthly total would hide.
Interchange reading of Metropol data · date_opened and original_amount
Largest live balances
4 accounts owingConcentration matters: one large facility and six small ones is a different risk from seven equal ones.
Interchange reading of Metropol data · live balances ranked
Identity as the bureau holds it
Verified
Not checked
Date of birth
—
Gender
—
Citizenship
—
ID serial
—
Marital status
—
Phones on file
—
Deceased
No record
Bureau activity windows
3 / 6 / 12 months| Measure | 3 months | 6 months | 12 months |
|---|---|---|---|
| Enquiries | 0 | 0 | 0 |
| Credit applications | 0 | 0 | 0 |
| Bounced cheques | 0 | 0 | 0 |
Measured live on 15 Sep 2026: these counters did not move 29 minutes after four billed pulls on the same identity. Metropol's enquiry counts are not real-time and a zero here does not mean nobody has asked.
Source: Metropol CRB · no_of_enquiries, no_of_credit_applications, no_of_bounced_cheques · report 10 · trx 81cc4ba0
Every account on file
Live and adverse accounts first, then by how recently they were opened.
| Product | Status | Opened | Original | Balance | Overdue | Late | Reported |
|---|---|---|---|---|---|---|---|
| Mobile Banking LoanNBF4760949540391283 | Write-Off | 8 Apr 2022 | 8,300 | 9,184 | 9,184 | 1577d | 31 Aug 2026 |
| Business Expansion Loan221927 | Active | 15 Jun 2026 | 17,040 | 8,520 | — | — | 9 Jul 202671d ago |
| Personal LoanTE281832199 | Active | 31 Jan 2026 | 14,000 | 14,325 | — | — | 11 Sept 2026 |
| Mobile Banking Loan4319463776485018 | Active | 7 Feb 2024 | 6,000 | 7,078 | 6,627 | 32d | 9 Apr 2024892d ago |
| Overdraft25479900012320260831 | Closed | 31 Aug 2026 | 708 | 0 | — | — | 3 Sept 2026 |
| Overdraft25479900012320260731 | Closed | 31 Jul 2026 | 1,760 | 0 | — | — | 6 Aug 2026 |
| Personal Loan3237527208640 | Active | 3 Jun 2026 | 100,000 | 0 | — | — | 7 Aug 2026 |
| Overdraft25479900012320260407 | Closed | 7 Apr 2026 | 6,240 | 0 | — | — | 8 Apr 2026163d ago |
| Overdraft25479900012320260406 | Closed | 6 Apr 2026 | 744 | 0 | — | — | 7 Apr 2026164d ago |
| Overdraft25479900012320260330 | Closed | 30 Mar 2026 | 2,990 | 0 | — | — | 6 Apr 2026165d ago |
| Personal Loan6883716697398 | Active | 25 Mar 2026 | 20,000 | 0 | — | — | 7 Aug 2026 |
| Overdraft25479900012320260301 | Closed | 1 Mar 2026 | 3,080 | 0 | — | — | 3 Mar 2026199d ago |
| Overdraft25479900012320260210 | Closed | 10 Feb 2026 | 525 | 0 | — | — | 11 Feb 2026219d ago |
| Overdraft25479900012320250823 | Closed | 23 Aug 2025 | 4,026 | 0 | — | — | 26 Aug 2025388d ago |
| Overdraft25479900012320250820 | Closed | 20 Aug 2025 | 470 | 0 | — | — | 23 Aug 2025391d ago |
| Overdraft25479900012320250816 | Closed | 16 Aug 2025 | 2,145 | 0 | — | — | 21 Aug 2025393d ago |
| Overdraft25479900012320250531 | Closed | 31 May 2025 | 4,258 | 0 | — | — | 22 Sept 2025361d ago |
| Overdraft25479900012320250426 | Closed | 26 Apr 2025 | 2,481 | 0 | — | — | 22 Sept 2025361d ago |
| Overdraft25479900012320250419 | Closed | 19 Apr 2025 | 1,177 | 0 | — | — | 28 Apr 2025508d ago |
| Overdraft25479900012320250329 | Closed | 29 Mar 2025 | 651 | 0 | — | — | 3 Apr 2025533d ago |
| Overdraft25479900012320250308 | Closed | 8 Mar 2025 | 1,026 | 0 | — | — | 13 Mar 2025554d ago |
| Overdraft25479900012320241214 | Closed | 14 Dec 2024 | 2,780 | 0 | — | — | 18 Dec 2024639d ago |
| Overdraft25479900012320241130 | Closed | 30 Nov 2024 | 3,106 | 0 | — | — | 1 Dec 2024656d ago |
| Overdraft25479900012320241123 | Closed | 23 Nov 2024 | 3,241 | 0 | — | — | 30 Nov 2024657d ago |
| Overdraft25479900012320241119 | Closed | 19 Nov 2024 | 3,014 | 0 | — | — | 23 Nov 2024664d ago |
| Overdraft25479900012320241116 | Closed | 16 Nov 2024 | 6,325 | 0 | — | — | 18 Nov 2024669d ago |
| Overdraft25479900012320241109 | Closed | 9 Nov 2024 | 4,615 | 0 | — | — | 16 Nov 2024671d ago |
| Overdraft25479900012320240831 | Closed | 31 Aug 2024 | 2,280 | 0 | — | — | 13 Sept 2024735d ago |
| Overdraft25479900012320240730 | Closed | 30 Jul 2024 | 3,471 | 0 | — | — | 15 Aug 2024764d ago |
| Overdraft25479900012320240613 | Closed | 13 Jun 2024 | 3,314 | 0 | — | — | 15 Jul 2024795d ago |
| Overdraft25479900012320240514 | Closed | 14 May 2024 | 4,775 | 0 | — | — | 18 Jun 2024822d ago |
| Overdraft25479900012320240429 | Closed | 29 Apr 2024 | 5,231 | 0 | — | — | 15 May 2024856d ago |
| Overdraft25479900012320240315 | Closed | 15 Mar 2024 | 5,131 | 0 | — | — | 2 May 2024869d ago |
| Overdraft25479900012320240212 | Closed | 12 Feb 2024 | 6,543 | 0 | — | — | 18 Apr 2024883d ago |
| Overdraft25479900012320240117 | Closed | 17 Jan 2024 | 5,800 | 0 | — | — | 18 Apr 2024883d ago |
| Overdraft25479900012320231220 | Closed | 20 Dec 2023 | 6,523 | 0 | — | — | 18 Apr 2024883d ago |
| Overdraft25479900012320231023 | Closed | 23 Oct 2023 | 5,985 | 0 | — | — | 10 Nov 20231043d ago |
| Overdraft25479900012320230908 | Closed | 8 Sept 2023 | 5,109 | 0 | — | — | 23 Oct 20231061d ago |
| Overdraft25479900012320230808 | Closed | 8 Aug 2023 | 4,506 | 0 | — | — | 12 Sept 20231102d ago |
| Overdraft25479900012320230615 | Closed | 15 Jun 2023 | 5,986 | 0 | — | — | 6 Jul 20231170d ago |
| Overdraft25479900012320220730 | Closed | 30 Jul 2022 | 141 | 0 | — | — | 8 Aug 20221502d ago |
| Overdraft25479900012320211213 | Closed | 13 Dec 2021 | 1,684 | 0 | — | — | 8 Mar 20221655d ago |
| Overdraft25479900012320211130 | Closed | 30 Nov 2021 | 995 | 0 | — | — | 10 Feb 20221681d ago |
| Overdraft25479900012320211001 | Closed | 1 Oct 2021 | 488 | 0 | — | — | 10 Feb 20221681d ago |
| Overdraft25479900012320210601 | Closed | 1 Jun 2021 | 382 | 0 | — | — | 10 Feb 20221681d ago |
| Overdraft25479900012320210405 | Closed | 5 Apr 2021 | 321 | 0 | — | — | 10 Feb 20221681d ago |
| Overdraft25479900012320210301 | Closed | 1 Mar 2021 | 483 | 0 | — | — | 10 Feb 20221681d ago |
| Overdraft25479900012320210203 | Closed | 3 Feb 2021 | 436 | 0 | — | — | 10 Feb 20212046d ago |
“Late” is days past due AS OF the date in “Reported”, not as of today — a lender that has not submitted for months will show stale arrears. “Max” is the worst this account has ever been.
Source: Metropol CRB · account_info · report 10 · trx 81cc4ba0
Evidence blocks
what this file is assembled from- Identity verification (report 1 / 12) unavailable
- Identity scrub — phones, addresses, employment (6 / 12) unavailable
- Metro score (3 / 8 / 11) present
- 12-month score and PPI trend (12) unavailable
- Credit accounts (8 / 10 / 11 / 12) present
- Income estimation (11) unavailable
- Account counts and instalments (16) unavailable
- Guarantors and stakeholders (10) unavailable
- Month-by-month account history (22) refused Report 22 is not in this lender's Metropol contract — E029. The 12-point score trend from report 12 is the closest available substitute.
Reading notes
derived from this file- The oldest account figures were last reported to the bureau 2046 days ago. Arrears counts are as of that date, not today.
- 2 accounts are reported open with a nil balance — settled but not yet re-flagged by the lender. They are excluded from live exposure.
- The bureau reports no enquiries in 12 months, yet 11 accounts were opened in that window. Metropol's enquiry counters are not real-time and should not be read as shopping behaviour.
- No account on this file is flagged as the requesting lender's own, including where the lender has an active loan. Treat `is_your_account` as unreliable for reconciliation.