Every few weeks, a video goes viral. A freshly minted entrepreneur, visibly frustrated, detailing how their corporate client took forever to pay, kept moving goalposts, or buried them in bureaucracy. The comments fill up with solidarity and shared war stories. I understand the frustration. But the framing bothers me. Because calling a corporate “evil” or…
Kenya’s credit information regime has matured, but one relic keeps taxing citizens for no added insight: the Credit Reference Bureau (CRB) “Certificate of Clearance .” A certificate is just a dated status note. It adds nothing beyond what a standard credit report and the credit score inside it already tells an employer, lender, or tender…
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