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Instant Credit Checks

Run identity verifications, credit scores, loan default checks, and full credit reports, all through one simple API. No direct CRB integration needed.

No setup fee Results in seconds Pay per check
Verification Complete 0.8s
National ID3485 ···· ··09
Identity Verified
Credit Score
742 / 1000
Loan Default Clear
Loan Eligibility Eligible
Sub-second response
Encrypted & secure
0
+
Daily Verifications
0
.9%
Platform Uptime
0
Businesses Served
0
Report Types

What We Offer

Everything in One Place

Six core checks, all pulling live data directly from AI through a single API key.

Powered by

AI Kenya's largest credit reference bureau, providing Credit Scores, loan default checks, identity verification, and credit reports in PDF & JSON through Readiwork's single API.

Simple Process

Up and Running in Minutes

No lengthy direct integration with AI. Readiwork handles that. You just call our API.

01

Create an Account

Sign up in under 2 minutes. Get your API key instantly. No contracts, no setup fees.

02

Make an API Call

Send a National ID number to our endpoint. Choose which check to run, one line of code.

03

Get the Result

Receive a clear, structured JSON result in seconds. Identity, score, loan default, all in one response.

Who It's For

Built for Every Industry

If your business needs to trust who it's dealing with, Readiwork gives you that confidence.

Banks & Microfinance

Identity Verified
Credit Score742 / 900
Loan Defaults None
Eligibility Approved
AI · 0.8s
Banks & Microfinance

Know Your Customer Before You Lend

Verify customer identity, check their AI credit score, and flag delinquencies, all before opening an account or approving a loan.

  • Instant identity verification
  • Credit Score & credit history
  • Loan default check
  • Full credit report on demand
Get Started Free

Digital Lenders & SACCOs

Eligibility Check Eligible
Credit Score810 / 900
Active Loans0 Defaults
Decision Auto-Approved
Loan decision in 1 API call
Digital Lenders & SACCOs

Approve Loans in Seconds, Not Days

Automate your credit decisioning. Our Loan Eligibility Check combines identity, Credit Score, and loan default data into a single pass/fail response.

  • Loan Eligibility Check (automated)
  • Credit Score lookup
  • Credit Information Summary
  • Credit Information History
Get Started Free

Cooperatives & Chamas

Member ID Confirmed
Loan Defaults None
Credit SummaryGood Standing
Membership Approved
Protect your group from bad debt
Cooperatives & Chamas

Protect Your Members from Bad Debt

Before admitting a new member or approving a guarantee, run a quick check. Verify who they are, whether they have existing defaults.

  • Identity verification
  • Loan Default status
  • Credit Information Summary
  • Loan Eligibility Check
Get Started Free

HR & Employers

Identity Scrub No Flags
Financial HistoryClean
Credit Report PDF Ready
Background Cleared
Background checks before hiring
HR & Employers

Hire With Confidence

Run a background check on every new hire before they join. Confirm their identity and review financial standing for roles that handle money.

  • Identity verification
  • Identity Scrub (AI Report 6)
  • Credit report (PDF)
  • Loan Default status
Get Started Free

Why Readiwork

Everything You Need to Build Trust

One integration that gives you full access to AI's suite of checks, without a direct CRB contract or complex setup.

AI Data

Direct access to Kenya's largest credit bureau, Credit Scores, loan default records, and credit reports in PDF & JSON.

Identity Scrub

Cross-reference an individual against AI's full database to flag duplicate identities and discrepancies.

One API, Both Providers

No need to sign a direct AI contract. One Readiwork API key, one dashboard, one bill, access to every report type.

Multiple Report Formats

Get credit data as Full, Enhanced, Summary, or Minified reports in PDF or JSON, whatever your workflow needs.

Clean REST API

Simple endpoints, clear documentation, sandbox testing. Send an ID number, get a result. No complexity.

Data Submission

Submit credit data back to AI to contribute to Kenya's credit ecosystem and improve borrower scoring.

Customer Stories

What Our Customers Say

"Readiwork gave us instant access to AI Credit Scores and credit reports. Our loan approval process went from days to under a minute."

"Readiwork made AI accessible without the usual paperwork. We now verify every new member's identity before they access any SACCO services."

"The AI loan default check alone has saved us from dozens of bad loans. Readiwork makes it easy to query the CRB without a direct integration."

"We use Readiwork's AI Identity Scrub to clean our applicant database. It's flagged several duplicate identity cases we would have missed completely."

Readiwork Blog

Credit Tips & Financial Guides

Expert insights on CRB checks, credit scores, loan eligibility and financial health in Kenya.

View All Articles
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Ready to Verify Smarter?

Join hundreds of Kenyan businesses using Readiwork to make faster, safer lending decisions. Start free, no credit card required.

Readiwork Assistant Online, replies instantly