Our Reporter.

Metropol Credit Reference Bureau (MCRB) has today Wednesday May 8th , 2019 launched its new product delivery platform code-named Metropol Crystobol.

A first of its kind in Uganda, borrowers will have control of their credit information by having direct access to Bureau products conveniently at their disposal via their mobile phones.

Customers will gain access to the service by dialling *243# and following the message prompts. A customer needs to key in their Financial Card number in order to proceed and register on Crystobol. After registration one is entitled to a FREE annual credit report.

The Crystobol service will empower borrowers to:

  • Take control of their credit worthiness by allowing them easy access to affordable credit
  • Negotiate favourable credit terms with Lenders
  • Get freedom to choose their preferred Lender.

This will significantly impact on the lender-borrower relations in the Ugandan market, where we shall see borrowers obtaining increased bargaining power by taking advantage of their positive credit profiles.

Metropol Crystobol has four bureau products on the menu. These include:

CREDIT REPORT. A Credit Report is a detailed account of one’s lifetime borrowing with all current credit providers and their performance in terms of repayment. The report is used by all lenders to determine loan approvals.

LISTING STATUS. Clients will get to know their listing status as reported by their various lenders. Green means one has no credit history; Black means one has a negative (default) credit history and lastly, Gold means one has a positive credit history.


The Metro-Score® measures one’s credit worthiness and the likelihood that they will meet their financial obligations. The Metro Score has become the industry standard that all Lenders use to assess borrower credit worthiness and is also used by Lenders to determine appropriate interest rates to charge for various types of credit facilities. The Metro Score ranges between 200 – 900, with 450 being the middle mark. Customers that score below 450 have Marginal to Poor credit quality while those that score above 450 have Good to Excellent credit quality.


This service gives a list of all the lenders who have contributed information about a client to Metropol Credit Reference Bureau.


Metropol Credit Reference Bureau is a subsidiary of Metropol Corporation Limited, a data driven entrepreneurial company based in Nairobi, Kenya and which has been in existence for the past 23 years The Company delivers and captures value by leveraging on data by integrating market information into products and processes. Metropol CRB was licensed by Bank of Uganda in 2015 and has been in operation since then. Metropol receives credit data on a monthly basis from all the Bank of Uganda licensed financial Institutions and processes this data into credit reports and other value added solutions necessary for making sound credit decisions.