received a zero credit limit?
here could be the reason/s why
do you have any credit accounts that may be overdue or in arrears ?
are the details you supplied correct & verifiable ?
do you use multiple phone numbers to make transactions through m-pesa ? We may have missed on crucial information required to score you
do you use your phone number frequently to make payments and receive money with the m-pesa number registered ?
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.