Credit Information Sharing Policy (CRB Policy)

Company Information

Company: PESAKAY CREDIT LIMITED

Registration Number: PVT-781KB3OL

Address: P.O BOX 30834, 00100 – G.P.O, Nairobi, Kenya

1. Introduction

PESAKAY CREDIT LIMITED is committed to responsible lending and compliance with Kenyan financial regulations. Under the Credit Reference Bureau Regulations (2020) and the Data Protection Act (2019), we are authorized to share customer credit information with licensed Credit Reference Bureaus (CRBs) in Kenya.

Reporting to CRBs helps maintain financial transparency and supports a responsible credit market.

2. What Information We Share

We may report the following details to CRBs:

  • Loan application and approval status
  • Loan repayment behavior (on-time, overdue, or defaulted payments)
  • Outstanding loan balances
  • Full repayment and settlement history
  • Restructuring, write-offs, or legal enforcement actions

Note: We report both positive and negative credit data, which may affect your future access to credit.

3. Purpose of Sharing

Credit information is shared to:

  • Encourage responsible borrowing and lending
  • Help build or improve your credit history
  • Fulfill legal obligations under CBK and POCAMLA
  • Strengthen the overall integrity of the financial system

4. Authorized CRBs

We may share your information with the following CBK-licensed Credit Reference Bureaus:

  • Metropol Credit Reference Bureau
  • TransUnion CRB Kenya
  • CreditInfo CRB Kenya

5. Your Rights

As a customer, you have the right to:

  • Receive one free credit report per year from any licensed CRB
  • Receive prior notice before any negative information is submitted (as per Regulation 18)
  • Dispute inaccurate data within 14 days of receiving notification
  • Have your dispute resolved within 30 days in line with CBK regulations

Contact for credit disputes:

Email: hello@pesakay.co.ke

Phone: +254 XXX XXX XXX

6. Consent

By applying for or accepting a loan from PESAKAY CREDIT LIMITED, you provide consent for your credit information to be reported to licensed CRBs.
This consent is obtained in accordance with Section 31 of the Credit Reference Bureau Regulations (2020) and remains valid until your obligations are fully settled.

7. Data Protection

We ensure that all credit data shared with CRBs is:

  • Accurate and regularly updated
  • Securely transmitted and stored
  • Processed in line with our Privacy Policy and the Data Protection Act (2019)

8. Review

This policy is reviewed annually or in response to regulatory changes by CBK or ODPC. Updates are published on our website.