It is no lie that Kenya is a borrowing nation. Right from the government to the majority of us as individuals.

Do you have a lead on a newsworthy story? Share news tips with us here at Hivisasa!

This explains why popular apps like Tala, Branch and Mshwari are forever in our phones to save the day whenever we're in financial hitches.

Majority of us Kenyans opt for these financial platforms to get loans whenever in a fix then repay them later when our pockets aren't to dry for life.

However, a good number of people default payment due to reasons best known to them, and being blacklisted by CRB is an inevitable act once you default from paying your loan on time.

This will not only deter you from getting loans from such financial institutions but also in some cases lower your chances of getting employment since some employers nowadays use CRB records as hiring criteria.

However, the good news is getting your name out of the blacklist without hassle is possible. So, if you're a defaulter and would like to remove your name from CRB's naughty list, read on.

First, you need to settle your scores with your lender, there are no shortcuts. You'll be required to clear your loan with your defaulter.

In an instance where it's a huge loan, such as a bank loan, and you can't clear in one payment, you need to visit any branch near you and re-negotiate the payment terms with your lender. 

You'll probably negotiate and agree on flexible instalments that you can manage to pay within an agreed period of time.

If you're lucky enough to get your lender to agree to your request, he or she will write a letter to CRB to let them know you have complied with their terms.

In a bid to completely get off the hook, you will be required to obtain a CRB clearance certificate after paying Ksh 2200 processing fees.

Your certificate will then be issued after a week.

In an event where your lender isn't interested in listening to your grievances, it's advisable to completely clear the loan then visit the CRB offices to seek advice on how you'll remove your name from the blacklist.

For more information visit metropol.co.ke www.metropol.co.ke.