Your credit status is a report that shows how you manage loans — including mobile loans, bank loans, SACCO loans, and digital lenders like Tala or Branch.
In Uganda, financial institutions use this report to decide whether to approve or reject your loan.

A bad credit status can lead to:

• Mobile loan limits reduced to 0 UGX

• Loan application rejections

• Higher interest rates

• Being blacklisted by lenders

Uganda’s main credit bureaus include:

• Metropol Credit Reference Bureau

• TransUnion Uganda

• CRB Africa

1. How to Check Your Credit Status using Metropol

Metropol offers one of the fastest ways to check your credit score.

Method 1: Using USSD

Dial: *237# You must home some Airtime loaded

Then follow:

1. Select CRB Services
2. Enter your NIN
3. Pay the small fee
4. Receive your credit status instantly

Method 2: Using the Metropol App

1. Download Metropol Crystobol app
2. Register with your phone number
3. Verify with your NIN
4. View your credit score and report

Metropol Score Meaning

• 850 – 900: Excellent — best for loans

• 700 – 850: Good

• 550 – 700: Average — may get small loans

• 300 – 550: Poor — high chance of rejection

• Below 300: Very bad — blacklisted

2. Checking Your Credit Status Using TransUnion

TransUnion is used by many banks and mobile lenders.

Steps:

1. Download the TransUnion Nipashe app

2. Register with your NIN

3. Pay the service fee

4. Access your full credit report

3. How to Check Your Credit Status Using CRB Africa

CRB Africa works mainly through banks.

How to Check

1. Visit any bank branch that uses CRB Africa

2. Request a CRB Report

3. Pay the bank’s charge (usually UGX 20,000 – UGX 50,000)

4. Collect your printed report

What the Report Shows

• Loan defaults

• Overdue payments

• Closed loans

• Active loans

• Loan application history

How to Fix a Bad Credit Status

If your name appears in the negative:

1. Clear All Pending Loan Balances

Even small unpaid balances of UGX 1,000 can block your credit score.

1. Ask the Lender to Update Your Status

After clearing the loan, request:

• A clearance letter
• Status update to the credit bureau

1. Monitor Your Report Regularly

Check every 3–6 months to make sure lenders updated your file

Frequently Asked Questions

What is a credit status in Uganda?

Your credit status shows your borrowing history and determines whether lenders approve or reject your loan.

How much does a credit report cost?

Metropol: UGX 2,200
TransUnion: UGX 2,000 – UGX 5,000
CRB Africa: UGX 20,000 – 50,000 (through banks)

Can a bad credit score be fixed?

Yes. Pay your debts → request CRB update → score improves over time.

Does MoMo Advance affect CRB?

Yes. MTN and Airtel update CRB if you delay or default.

Final Tips

• Avoid taking multiple loans at once
• Pay on time
• Don’t ignore overdue reminders
• Keep track of your loan history

If you maintain a clean credit status, you’ll qualify for:
Higher mobile loan limits
Lower interest rates
Access to bigger bank loans