Credit Reference Bureau Africa (CRB Africa) is the first CRB in Kenya. Two other applications are being processed by CBK. Will this help in reducing the lending rates? CBK has tried to reduce cost of credit through downward revision of CBR & CRR can CRBs help this time? I hope in the long run all this efforts will make Kenyans get affordable credit. Those with HELB loans, our days are numbered!!!!!!