Kenya Credit Judgement & Litigation Check

## Who is the source of credit check data in Kenya? Creditinfo Kenya ## What is the process in Kenya? The requesting party will request the check from the ATS or their Zinc account. 1. The candidate receives automated instructions to provide some personal details, a copy of their ID, and complete an authorisation form in a dynamic web form. 2. Zinc submits the request to the authorities. 3. Zinc receives the results (digitally) and provides a signed digital report. 4. The candidate receives a notification to say the process is complete. ## What details are required to submit the check? - First Name - Last Name - Birth Date - Consent - **Specific Authorisation Form** - Signature's time limit is 3 months - **Passport/ID Copy** - For citizens: - clear copy of valid Kenyan national ID card - For foreigners: - clear copy of valid Passport ## What is covered in the credit check? The Financial Integrity verification process in Kenya provides financial information on citizens and foreigners who have taken up any credit facility with any regulated financial institution in Kenya extracted by a local partner, with the explicit consent of the individual, through the database of Creditinfo Kenya. The information goes back 5 years for loans, following their repayment (unsettled loans appear indefinitely on the report) and it covers all regulated financial institutions that report credit data on both a monthly and daily basis. The data collected includes the following information: - Banking information, - Debt and loan records - Negative and positive payment experiences ## Restrictions, Exclusions, Limitations: - The checks leave a footprint on the individuals’ credit profile and will influence their creditworthiness only if numerous requests are made for the same individual’s report within a 12 month period. - The check requires the provision of a Specific Consent Form where the Signature’s time limit is 3 months. - Not authorised to share with another party outside of the consent provided for the purposes of a credit check. - The ID document is mandatorily required by the credit bureau for processing purposes. ## What is the period covered by the check? Coverage by the source goes back to 5 years (following the repayment) ## Is there any potential candidate footprint? The checks leave a footprint on the individuals’ credit profile and will influence their creditworthiness only if numerous requests are made for the same individual’s report within a 12 month period. ## What is the expected turnaround time? [Here](https://zincwork.com/turnaround-times) ## Privacy statement The details contained in this report should not be used as the sole reason for making a decision. Zinc Work Ltd is not liable for any inaccuracies or incompleteness in the information appearing in this report since it is provided to Zinc Work Ltd by third parties. This report has been produced for the purchaser of the report and Zinc Work Ltd will have no liability to loss.