(+265) 211 831 388


Know Who You Are Dealing With.

We are an African Credit Reference Bureau,operating in Malawi with a strong understanding of the local African market.


The information we provide is reliable because of our understanding and experience operating in this market.

As a credit reference bureau we collect, process, and store the details of the credit commitments of individuals and institutions.

Credit Data CRB In the News

Loans Board Recovers K562M April 18, 2019

Some of former students of the University of Malawi (Unima) and Mzuzu University (Mzuni) have paid back K562 million of the K1.2 billion they owed government in student loans.

Bureau turns to national IDs for data consolidation October 1, 2018

Credit Data Reference Bureau (CRB) has embarked on a harmonisation of personal identification for clients of different institutions in the country to ensure quality and reliable database.


In August 2018, the Higher Education Students’ Loans and Grants Board (HESLGB) signed an agreement with Credit Data (CD) which is a Credit Reference Bureau.


As a credit reference bureau our mandate is to collect and store credit histories on individuals and institutions. Lenders, including banks, Micro finances and other financial service providers, share credit information about their customers with us We also source information from other pertinent places   like the courts, utility providers, city councils . The information we receive is used to create a credit reference report. Lenders use credit reference reports to help them decide whether to approve an application or not.


We do not give lenders an opinion about whether one should get credit or not, we simply provide information about contact details, and details of credit commitments which forms credit history.


We  do not exist to make lives  difficult. On the contrary, our reports enhance chances of getting credit at times, it also helps the lenders to  make realistic and manageable credit risks.


Our customers are generally commercial organizations and government bodies that transacts on credit.


Only institutions that transact on credit are allowed to deal with our bureau.


AS A regulated institution under license number CRBL002 we are required to abide by The Credit Reference Bureau Act 2010 and the amendment of 2015.

What We Do

Find Us


We are situated on the Ground floor of Umoyo House, along Victoria Avenue in Blantyre.

Opening Hours


08:00 - 17:00

Monday to Friday