A Nairobi woman has been accused of conning a businessman out of Sh350,000 after allegedly promising to clear his name from the Credit Reference Bureau (CRB), exposing the growing wave of fraudsters preying on desperate Kenyans seeking financial rehabilitation.
The complainant, who identified himself as Mutua, claims he was introduced to a woman identified as Caroline Nyakio Ndorothua by a business associate in late 2025. According to him, Caroline allegedly assured him that she had connections capable of removing his negative CRB listing within a week.
Mutua says he was instructed to pay Sh350,000 to facilitate the process and was allegedly linked to another individual identified as Morris Mwiti, who was presented as the person handling the clearance.
“I was told the CRB issue would be sorted within a week after payment, but after sending the money in December 2025, nothing happened,” he said.
Instead, he claims the two individuals allegedly began giving excuses, avoiding calls and allegedly responding rudely whenever he demanded answers about the promised clearance.
According to the complainant, months later Caroline allegedly refunded only Sh50,000 and promised to send the remaining balance within a week, a promise he says was never honoured.
“It has now been months. They rarely pick calls and I have not recovered my money,” he said.
The allegations shine a spotlight on the increasing number of Kenyans being targeted by fraudsters claiming they can “clean” CRB records through backdoor connections.
Financial experts have repeatedly warned that genuine CRB clearance cannot be done through brokers or middlemen. Under Kenyan law, CRB listings are managed by licensed credit reference bureaus regulated by the Central Bank of Kenya and can only be updated after settlement of outstanding debts or correction of disputed records through official procedures.
In recent years, authorities have warned members of the public against paying individuals who promise instant CRB clearance, noting that many victims end up losing large sums of money.
Kenya’s three licensed CRBs — Metropol CRB, TransUnion Kenya and Creditinfo Kenya — have previously advised borrowers to use official channels when seeking clearance certificates or disputing listings.
The case now adds to the growing list of alleged financial scams thriving online and through informal business networks as more Kenyans struggle with loan defaults and blacklisting.
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