How to Improve your Credit Score in Kenya

We have created this guide to help you Improve your Credit Score in Kenya from poor to good.

Your credit score is an important factor in determining your financial health. It is a number that reflects your creditworthiness and helps lenders decide whether or not to approve your loan applications. A higher credit score means you are less risky to lend to, which can translate to lower interest rates and better loan terms. If you have a low credit score in Kenya, don’t worry, there are steps you can take to improve it.

Pay Your Bills on Time

One of the most important factors affecting your credit score is your payment history. Late payments can have a significant negative impact on your credit score. Pay your bills on time to improve your credit score, including credit card payments, loans, and other bills. Set reminders or automatic payments to help ensure you never miss a payment.

Keep Your Credit Utilization Low

Credit utilization is the amount of credit you use compared to your credit limit. Keeping your credit utilization low can help improve your credit score. Try to keep your credit utilization below 30% of your credit limit. If you have a credit card with a high balance, consider paying it down to improve your credit utilization.

Use Credit Wisely

Using credit responsibly can help you build a good credit history. Use credit for essential purchases only and avoid carrying a balance if possible. Paying off your credit card balances monthly can help improve your credit score.

Check Your Credit Report Regularly

Your credit report contains information about your credit history, including your payment history, credit utilization, and credit accounts. Check your credit report regularly to ensure there are no errors or fraudulent activities that could hurt your credit score. If you find errors, dispute them with the credit reporting agency.

Increase Your Credit Limit

Increasing your credit limit can help improve your credit utilization ratio. However, be careful not to use the extra credit to overspend. Contact your credit card issuer to request a credit limit increase.

Avoid Applying for Too Much Credit

Applying for too much credit in a short period of time can hurt your credit score. Only apply for credit when you need it, and be mindful of its impact on your credit score. Each time you apply for credit, it generates a hard inquiry on your credit report, which can lower your score.

Work With a Credit Counseling Agency

If you are struggling with debt, consider working with a credit counseling agency. They can help you develop a debt repayment plan and offer advice on how to improve your credit score. Credit counseling agencies can also help you negotiate with lenders and creditors to reduce interest rates and fees.


Improving your credit score in Kenya takes time and effort, but it is worth it in the long run. A higher credit score can help you qualify for better loan terms and save you money on interest rates. By following these tips, you can improve your credit score and take control of your financial future.

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