Are you a member of a Savings and Credit Co-operative Society (sacco)? If so, has your sacco ever rejected your loan application due to a bad credit rating by a Credit Reference Bureau (CRB)? The probable answer is no.
It happens that saccos are not so enthusiastic when it comes to exchange of credit information. It may be because of the friendly relationship they have with their members or the fear of reduced profits due to less borrowing if they do.