Creditinfo

What Creditinfo does

Creditinfo (legal entity Creditinfo CRB Kenya Ltd) is a credit bureau and financial risk analytics provider operating as the East African hub of the international Creditinfo Group, founded in 1997 and headquartered in Nairobi. The company supplies licensed credit information, scoring, and decision analytics infrastructure to banks, fintechs, lenders (including microfinance and SACCOs), regulators, and individual consumers across Kenya, Sudan, the CEMAC region, the UEMOA region, and — following the April 2026 acquisition of KIB Latvia — Europe.

Its core technology is the CBS Next next-generation credit bureau platform, which underpins credit reporting, scoring, and portfolio monitoring. Layered on top are decision analytics modules (Instant Decision Module, Advisor, Benchmarking, Scorecards, Retro Services), specialized scorecards (SME Blended Scorecard, Collections Scorecard, Predictor Scorecards, Alternative Scoring), and an Identity/KYC/Fraud suite — the latter now extended through a 2025 partnership with NOTO. Consumer-facing services (Credit Reports, Credit Score, Creditinfo Monitoring, Clearance Certificate) are delivered through the MyCreditinfo self-serve portal, while enterprise solutions run on direct, sales-led engagement with quote-based pricing.

Creditinfo monetizes through a mix of recurring bureau subscriptions and decision analytics licences to financial institutions, transaction-based business information and international reporting fees, and usage-based pricing for KYC and identity verification. The company explicitly positions itself as a turnkey bureau operator for organizations wanting to establish a credit bureau, indicating a channel/partner model for geographic expansion alongside its direct enterprise sales motion.

Name

Creditinfo

Legal name

Creditinfo CRB Kenya Ltd

Website

https://ke.creditinfo.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Credit Bureau Services

NAICS

Credit Bureaus (561450), Credit Bureaus (56145), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro industry

PRIMARYFSAKAKAA

Credit Bureaus & Consumer Credit Reporting Agencies

Financial & Insurance/Lending & Consumer Finance/Credit Reporting, Scoring & Underwriting (Consumer)

SECONDARYFSAGAHAC

Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking)

Financial & Insurance/Financial Technology (Fintech)/LendTech (Digital Lending Platforms & Credit Decisioning)

SECONDARYFSAKAKAG

Consumer Credit Decisioning & Underwriting Platforms

Financial & Insurance/Lending & Consumer Finance/Credit Reporting, Scoring & Underwriting (Consumer)

SECONDARYFSAGADAE

Credit Score Monitoring & Credit Building

Financial & Insurance/Financial Technology (Fintech)/Personal Finance & Financial Wellness (PFM)

Keywords

• Credit bureau services
• Credit risk analytics
• Identity verification
• Decision analytics
• Business credit reporting

Headquarters

HQ city

Nairobi

HQ country

Kenya

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Credit Bureau Services: Core credit reporting and scoring services for individuals and businesses, including credit reports, clearance certificates, and credit status monitoring
2. Decision Analytics: Advanced analytics solutions including scorecards, benchmarking, instant decision modules, and strategy consultancy for lenders
3. Business Information Services: Business information reports, international reports, and skip trace services for credit risk assessment
4. Identity & KYC Services: Identity verification, eKYC, and fraud detection solutions for financial institutions

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Creditinfo operates a credit bureau and credit risk management platform providing credit reports, credit scores, credit status assessments, and clearance certificates for individuals, alongside enterprise solutions for financial institutions including the CBS Next credit bureau system, business credit reports, identity/KYC/fraud verification, and a Decision Analytics suite (instant decision modules, scorecards, benchmarking, and strategy consultancy). The company also offers IFRS & Basel compliance tools, SME blended scorecards, alternative scoring, and skip trace/portfolio monitoring services.

Product overview

Creditinfo is a credit bureau operating across multiple African markets, offering a comprehensive platform of credit information and risk management solutions. The core offering consists of consumer and business credit reporting services, including Credit Reports, Credit Scores, and Credit Status assessments. These are delivered through the CBS Next platform and supported by Business Solutions including Credit Scoring, Business Information Reports, and Identity/KYC/Fraud Solutions. Decision Analytics products including Instant Decision Module, Advisor, Benchmarking, Scorecards, and various specialized scorecards (SME Blended Scorecard, Collections Scorecard, Predictor Scorecards) enable lenders to make automated, data-driven credit decisions. Individual Solutions include Creditinfo Monitoring and Clearance Certificates for consumer-facing services.

Differentiator

Problem solved

Functional benefit

Brands

• Creditinfo Monitoring: Service allowing consumers to monitor their credit history and identify suspicious activities on their credit report
• Boosted Score Solution
• CBS Next
• Credit iQ

Products and services

• Credit Reports
• Credit Scores Numerical summary of credit behavior calculated using information from credit history, including repayment consistency, debt levels, and payment performance. Used by lenders to quickly assess borrower risk. Available for individuals and companies.
• Credit Status Assessment of overall credit standing indicating whether loans are performing, overdue, cleared, or listed negatively. Available for individuals and companies. Influences ability to access loans, negotiate interest rates, and secure financing.
• Clearance Certificate Certificate issued to individuals without negative listings on their credit report, confirming positive credit standing. For those with negative listings, a credit status certificate is issued instead.
• Creditinfo Monitoring Service enabling consumers to track changes in their credit history and identify suspicious activities on their credit report in real-time. Helps users stay informed about their credit profile and detect potential fraud.
• CBS Next (Credit Bureau System) Next-generation Credit Bureau System platform for managing and delivering credit bureau services. The core technology infrastructure enabling business operations and credit bureau service delivery.
• Business Information Platform Platform providing business credit information and reports for companies to assess creditworthiness of business entities. Enables business credit assessment and verification.
• Identity | KYC | Fraud Solution Integrated identity verification, KYC, and fraud detection solution for financial institutions. Helps reduce fraud losses, enhance AML readiness, and streamline customer onboarding and monitoring processes.
• Boosted Score Solution Real-time data solution designed to expand credit access by providing comprehensive, up-to-date credit information for borrowers. Unlocks comprehensive credit access using real-time data and results.
• Credit Scoring (Enterprise) Analytical services providing credit scoring models to help lenders assess borrower risk and make lending decisions. Enterprise-grade credit scoring for financial institutions.
• Business Credit Reports Comprehensive credit reports for businesses providing credit history and risk assessment information for commercial lending decisions.
• Skip Trace & Portfolio Monitoring Service to locate individuals (skip trace) and monitor credit portfolios for risk management and collections purposes. Used by lenders for collections and portfolio quality monitoring.
• Business Monitoring Ongoing surveillance of credit information and portfolios to detect changes and potential risks. Enterprise monitoring service for financial institutions.
• International Reports Credit reports and information services covering international entities and cross-border credit assessments. Enables lenders to assess creditworthiness of foreign borrowers and entities.
• Audit and Review of Models Professional review and validation services for credit scoring models and analytical frameworks. Ensures model accuracy, regulatory compliance, and performance optimization.
• Decision Analytics Suite Comprehensive decision analytics platform for lenders including Instant Decision Module for real-time credit decisions, Advisor for decision guidance, Benchmarking against industry standards, customizable Scorecards, Retro Services for historical analysis, and Strategy Review & Roadmap Consultancy. Enables automated, data-driven credit decisioning.
• ID Verification Identity verification service for confirming individual identity through official documentation. Used for customer onboarding and fraud prevention.
• eKYC Electronic know-your-customer solution for digital identity verification and onboarding. Enables remote customer verification for digital financial services.
• SME Blended Scorecard Credit scoring solution combining multiple data sources to assess small and medium enterprise creditworthiness. Alternative scoring approach for SMEs with limited conventional credit history.
• Collections Scorecard Scoring model designed to predict and optimize debt collection outcomes. Helps lenders prioritize collection efforts and improve recovery rates.
• Alternative Scoring Credit assessment using non-traditional data sources for borrowers with limited conventional credit history. Enables financial inclusion for underbanked populations.
• IFRS & Basel Compliance Tools Compliance and reporting solutions for International Financial Reporting Standards (IFRS) and Basel banking regulations. Helps financial institutions meet regulatory capital and provisioning requirements.
• Strategy Review & Roadmap Consultancy Services Consulting services helping lenders develop credit strategies and implementation roadmaps. Professional advisory for credit risk strategy development and execution planning.

Quantifiable outcome

• Reduce fraud losses through integrated fraud prevention and AML controls
• +2 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

One partnership is on record.

• NOTOcoreTechnology or Integration · 12 November 2025Creditinfo and NOTO have partnered to expand access to modern fraud and AML controls for banks, fintechs, and lenders. The collaboration integrates Creditinfo's data expertise with NOTO's technology platform to improve risk management and operational efficiency. The initiative aims to reduce fraud losses, enhance AML readiness, and streamline onboarding and monitoring processes for financial institutions.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Metropol Corporation: Kenya-headquartered credit reference bureau with overlapping CRB products, scoring, and monitoring services directly competing with Creditinfo CRB Kenya for the same banks, SACCOs, and fintech clients.
• Credit Reference Bureau Africa (formerly Credit Bureau Limited): Kenya-based licensed credit reference bureau providing consumer and business credit reports, scoring, and decisioning — directly competing for the same lender subscriber base in Kenya.
• CRIF: Italy-headquartered global credit bureau and business information provider with strong EMEA and Africa presence; competes with Creditinfo on credit reporting, scoring, and decision analytics for banks and fintechs.

Broad incumbents

• Equifax: Multinational credit bureau with consumer and commercial data and analytics, increasingly active in African and EMEA markets; overlapping with Creditinfo on bureau reports, scores, and decisioning platforms.
• TransUnion: Global credit bureau operator with significant African presence (including Compuscan acquisition), competing with Creditinfo across consumer and commercial credit information, analytics, and decisioning.
• Experian: Global consumer and business credit bureau with expanding operations in Africa and EMEA, offering credit reports, scoring, and analytics that overlap Creditinfo's full product suite.

Regional players

• Schufa Holding: Germany's leading consumer credit bureau, acquired by Creditinfo Group's prior European holdings; provides consumer credit information and scoring across DACH region, comparable business model to Creditinfo's bureau operations.

Emerging players

• LenddoEFL: Alternative credit scoring platform using non-traditional digital data (social, mobile, behavioral) for emerging-market lenders; competes with Creditinfo's Alternative Scoring and SME Blended Scorecard offerings.
• Tala (formerly InVenture): Mobile lending fintech operating in Kenya and other emerging markets using alternative smartphone data for credit decisions; represents both a competitor and potential data-sourcing partner to traditional bureaus like Creditinfo.

Others

• Notto (NOTO): Indonesian identity and KYC technology partner that recently announced an integration partnership with Creditinfo for fraud/AML controls; enabling partner rather than direct bureau competitor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/CreditinfoKenya
• YouTubeyoutube.com/channel/UCyf5X9FVBlxmLtGo5C8nrcA
• Facebookfacebook.com/creditinfokenya
• LinkedInlinkedin.com/company/creditinfo-crb-kenya-ltd

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Creditinfo