The Interchange
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Karen, Langata District
Nairobi County, Kenya
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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 2

Delinquency Status

Whether this person is in default now, or has been, anywhere the bureau can see.

NATIONAL ID : 880000088
Requested by
Sample Analyst
Requesting organisation
Sample Lender Limited
KE/LENDER/SAMPLE
Report date
2026-09-18 14:17:45 EAT
Reference number
#REF IX-69RQ-JBKC-20260918
Bureau transaction
07b8de7d-377a-4146…

Source: Metropol CRB · report 2

Delinquency status
Currently delinquent
code 004
Loan amount asked about
KES 8,000
as sent with the request

Every delinquency code

the one returned is marked
CodeStatusMeaning
001Identity not foundThe bureau holds no record of this ID at all.
002No credit historyThe ID is known but no lender has reported an account against it — a thin file, not a clean one.
003No delinquencyCredit history exists and no account has ever been non-performing.
004Currently delinquentAt least one account is non-performing right now.
005Delinquent in the pastNo account is non-performing now, but at least one was.

Source: Metropol CRB · delinquency_code · report 2 · trx 07b8de7d

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-69RQ-JBKC-20260918. The page shows whether this reference exists and the fingerprint its content must match.

Content fingerprint sha256:3a12270f60885014644722769aa54aef118c068a3355b5c54f2dff4592f8a34f