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received a zero credit limit?
here could be the reason/s why

  1. do you have any credit accounts that may be overdue or in arrears ?

  2. are the details you supplied correct & verifiable ?

  3. do you use multiple phone numbers to make transactions through m-pesa ? We may have missed on crucial information required to score you

  4. do you use your phone number frequently to make payments and receive money with the m-pesa number registered ?

  5. have you maintained a good borrowing & repayment track record in the last 24 months months ?

NOTE: We base our decision based on several inputs. 

Your Credit Reference Bureau (CRB) report is just one of the inputs and we do not base our decision solely on it.

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