The Interchange
BirgenAI Hub
Karen, Langata District
Nairobi County, Kenya
+254 758 517 032 · birgen@techcrast.co.ke
www.birgenai.co.ke
Reg. BN-MJS5BY37 · KRA PIN A016842179G
Disclaimer: According to the Banking (Credit Reference Bureau Regulations, 2020 Regulation 40 (1), A customer's credit score shall not be used solely to deny the customer a loan, credit facility, or any other financial service. However, it shall be used as one of the factors to inform the decision-making when determining the customer's application for a loan, credit facility, or any other financial service.
SAMPLE. Built from a real bureau response with every identifying detail replaced: name, national ID, phone, date of birth, addresses, ID serial, account numbers and transaction references. Amounts, dates, statuses and scores are as the bureau returned them. This document describes no real person.
Bureau Direct · Report 13

Minified Credit Info

Metropol bureau data, re-read as a credit decision. Every figure is the bureau's; the totals, ordering and staleness flags are the Interchange's.

NATIONAL ID : 880000088
Requested by
Sample Analyst
Requesting organisation
Sample Lender Limited
KE/LENDER/SAMPLE
Report date
2026-09-18 14:17:47 EAT
Reference number
#REF IX-1BTC-CZY6-20260918
Bureau transaction
a9459913-79a5-456f…

Source: Metropol CRB · report 13

Bureau score
—
not reported
Live exposure
KES 0
0 open accounts carrying a balance
Currently overdue
KES 0
nothing past due
Adverse accounts
0
no arrears on record
New credit, 12m
0
none in 6 months

Bureau score and payment performance

Metro score

—200900200 – 900

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 13 · trx a9459913

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

0 accounts
NOTHING TO SHOW

Open 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

Not available
No sector breakdown in this pull.

Arrears distribution

every account on file
NOTHING TO SHOW

Days past due are as of each lender's last submission to the bureau.

Interchange reading of Metropol data · days_in_arrears by band

When accounts were opened

NO DATED ACCOUNTS

One 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

Identity as the bureau holds it

Verified
Not checked
Date of birth
—
Gender
—
Citizenship
—
ID serial
—
Marital status
—
Phones on file
—
Deceased
No record

Every account on file

Live and adverse accounts first, then by how recently they were opened.

No accounts on file

Source: Metropol CRB · account_info · report 13 · trx a9459913

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) unavailable
  • 12-month score and PPI trend (12) unavailable
  • Credit accounts (8 / 10 / 11 / 12) unavailable
  • 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.

Notices

Disclaimer

The information provided in this report is for the purposes of decision making as stipulated in the Banking (Credit Reference Bureau) Regulations, 2020 only.

It is not in any way METROPOL CREDIT REFERENCE BUREAU's opinion of the financial capability, solvency, integrity or intentions of any persons mentioned herein.

It therefore cannot be used to inform any level of decision making, positive or adverse, on any and all persons mentioned herein, whether regarding current or potential credit lines.

All parties given access to this information are bound to keep any and all information,whether intentionally or accidentally accessed, strictly confidential.

METROPOL CREDIT REFERENCE BUREAU does not warrant or guarantee any use of the information contained herein.

About this document

The credit information in this document was supplied by Metropol Credit Reference Bureau, a credit reference bureau licensed by the Central Bank of Kenya. The Interchange did not create, alter or verify that information. The Interchange is a technology intermediary: it is not a credit reference bureau and it gives no credit opinion. It retrieves the bureau's response, keeps it unchanged (the original response and its SHA-256 fingerprint are held under the reference on this document), and presents it in a form a lending decision can use. Where this document shows totals, orderings, charts or flags, they are marked as the Interchange's reading of the bureau's data and are not the bureau's statement. Questions or disputes about the underlying data must be raised with Metropol Credit Reference Bureau, which holds the record. This document is confidential to the requesting organisation and may be used only for the purposes permitted by the Banking (Credit Reference Bureau) Regulations, 2020.

Sample

SAMPLE. Built from a real bureau response with every identifying detail replaced: name, national ID, phone, date of birth, addresses, ID serial, account numbers and transaction references. Amounts, dates, statuses and scores are as the bureau returned them. This document describes no real person.

Verify this document

Scan the code, or open https://interchange.servicesuitecloud.com/verify/IX-1BTC-CZY6-20260918. The page shows whether this reference exists and the fingerprint its content must match.

Content fingerprint sha256:a6fe29ea21d6d1d0d377e790d58b959445bb907813da8dce966c47777e784680