Tuwache kuuziana uoga. From experience, poor cash flow will deny you credit more that a negative listing. Credit bureaus only work in real middle income jurisdictions. As someone pointed out, it is not possible to insist on credit rating in a country where over three quarters of the productive population is listed with CRBs.Hiyo mikopo ya pesa ndogo can ruin you juu ya credit rating. Kenyan laws are being changed to be similar to the US. In the near future, any debt you incur will be recordable with CRB. Those who pay get favoured by the system, kama hulipagi madeni, unaenda kwa kirimino lenders. What's more, many employers will be increasingly checking there to confirm honesty.