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TransUnion CIBIL Ltd., earlier known as Credit Information Bureau Ltd., is among the leading credit information companies in India. Incorporated in 2000, it is popularly known as CIBIL credit bureau. The bureau gathers and maintains records of your payments related to credit products such as loans and credit cards. Lenders, financial institutions like banks and non-banking finance companies submit your credit records to CIBIL every month. The credit bureau uses this information and computes your CIBIL score and creates a detailed credit report. Lenders use this report and score to measure your creditworthiness and assess whether you can repay the borrowed amount.
This bureau is licensed by the Reserve Bank of India (RBI) and is overseen by the Credit Information Companies (Regulation) Act of 2005. It has more than 2,400 members including banks, financial institutions, non-banking financial companies, and housing finance companies. The credit bureau maintains credit records of more than 550 million consumers and businesses.
A CIBIL score is a 3-digit number that represents your creditworthiness. It ranges from 300-900. The closer your score is to 900, the better the chances are of you getting a loan or a credit card approved. A higher score suggests you have been a responsible borrower and have a good credit history. As per general standards, a score of 750 and above gives you quicker access to loans and credit cards.
There are four main factors that make up the score:
|Credit Type and Duration||25%|
One of the biggest factors that affects your CIBIL score is payment history. You should make it a priority to pay your credit card bills as well as loan EMIs on time. Avoid late payment of bills at any given time as it will bring down your score. As per a recent CIBIL analysis, a 30-day delinquency can reduce your CIBIL score by 100 points (as reported by Financial Express).
The total amount of debt you have at a given point of time has a major effect on your CIBIL score. Credit utilisation ratio is the amount of credit used by you in proportion to your combined credit limit. You should maintain a low credit utilisation ratio at all times to get a high score. As per experts, it is advised to use only up to 30% of your total credit limit.
A long credit history helps to improve your score. It suggests that you have a good experience with handling credit. Lenders prefer offering credit to people who have a rich history because it makes assessing you as a borrower, easier. Therefore, it is advised to avoid closing old cards as you will lose out on the long credit history and good repayment behaviour associated with it.
It is important to have a decent credit mix. Maintaining a healthy balance of secured and unsecured credit helps to boost your CIBIL score. You need to make sure that you don’t have high secured credit or unsecured credit and instead try and maintain a good balance of both.
Avoid making multiple credit inquiries within a short period of time. When you inquire to a bank or a financial institution about a loan or a credit card, the lender will pull out your CIBIL report. Such an inquiry is called a “hard inquiry” and it has a negative impact on your score. Multiple credit inquiries can bring your score down. Therefore, it is advised to inquire for credit only when you actually need it. Meanwhile, when you check your own score or report, it is called a “soft inquiry”. You can check your report multiple times and it will not have any effect on your CIBIL score as soft inquiries are not recorded on your report.
In order to improve your CIBIL score, you need to be consistent in paying bills on time and be a responsible borrower. Here are some of the ways that will help you improve your score.
At the end of the day, any money from a line of credit is borrowed money. You need to repay it to your lender, with or without interest, depending on the type of credit line, and your repayment behaviour. So, use your credit card, loan amount, or any other type of borrowing wisely. Also, do not use or borrow more than you can afford to repay. This could lead you into a debt-trap.
Apart from being charged late payment fees on your late payments, this repayment behaviour will also get reported to the credit bureaus, affecting your score. If you have multiple credit card payments and loan EMIs to make, it is advised to set up payment reminders or due date alerts to get more organised. This way you never forget making your payment. You could also set up a direct debit arrangement with your lender, where your payments get automatically deducted from your savings/current account on the due date. This way, you never have to worry remembering due dates, or about late or missed payments.
vAs mentioned earlier, you should ideally not exceed 30% of your total credit card limit. This is especially important if you apply for a home loan in the future. When you apply for a home loan, banks will assess your debt-to-income (DTI) ratio. This ratio evaluates your total debt with respect to your total income. If your debt exceeds 50% of your income, banks are more likely to reject your application. Another reason why you should maintain a low credit utilisation ratio is to not appear credit hungry. If most of your expenses are being borne by your credit lines, you will appear as a borrower who is unable to manage their expenses on their own.
If you have defaulted on any payments in the past, it will be reflected in your credit history and will bring your CIBIL score down. Make sure to pay off the unpaid amount and close the account instead of opting for a settlement. You should ensure that the account gets a 'closed' status. Also, it is best to get a formal closure certificate from the lender for the account.
You should check your credit report periodically to understand your credit health. This should be done to ensure that your credit report is free of any errors related to your credit accounts. This is important because any incorrect information recorded on your report could bring down your score through no fault of your own. It is important to identify and rectify such errors at the earliest.
In 2017, the RBI made it compulsory for all the credit bureaus in the country including CIBIL to offer one free credit report to consumers per calendar year. You can get a free copy of your CIBIL report by visiting the official website of CIBIL.
As India’s leading CIC (Credit Information Company), CIBIL enjoys considerable clout in the Indian credit system. But who makes up this prestigious institution?
CIBIL has a diverse ownership structure consisting of well-known banking and non-banking companies. Its major stakeholder is Trans Union International Inc. with about 66% of the total share. The remaining 34% is held by 8 other parties with stakes ranging between 1% to 6% each.
TransUnion deals in data analytics to help businesses in decisioning processes for better risk management. It is also a leader in information management.
|Trans Union Interantional Inc.||66%|
|ICICI Bank Ltd.||6%|
|Bank of Baroda||5%|
|Bank of India||5%|
|Indian Overseas Bank||5%|
|Union Bank of India||5%|
|Aditya Birla Trustee Co. Pvt. Ltd.||4%|
|India Alternatives Pvt. Equity Fund||2.9%|
|India Infoline Finance Ltd.||1%|
An individual’s or company’s credit history is evaluated to generate a Credit Information Report (CIR) from which is derived a credit score known as the CIBIL TransUnion Score. This report and score form an integral part of a lender’s credit approval process. Credit scores range between 300 and 900. The higher the score, the more creditworthy the borrower is, which translates to quick approvals and better interest rates.
CIBIL provides credit reports and scores to those who inquire for them. This includes individuals, institutions and lenders. When an application for a loan or credit card is submitted, lenders check the applicant’s credit scores to ascertain whether it satisfies eligibility criteria. In general, a score of 750 or higher is considered good.
Prior to the introduction of credit information bureaus in India, credit was dispelled based on the apparent creditworthiness of customers. There was little to no tracking of credit histories nor was there any useful analysis or collation of credit data of various borrowing entities. This led to defaults which were loss-making propositions for lending institutions.
As time passed, regulators began emphasising on the need for stricter credit approval mechanisms. Based on recommendations by the Siddiqui Committee, India’s first credit information company was set up. CIBIL has been in operation since the year 2000 and brought in much-needed transparency to the credit system. In 2004, consumer bureau services were launched followed by commercial bureau services in 2006.
The CIBIL TransUnion score was first brought to banks in 2007 and later to individuals in 2011. Two noteworthy services were launched in the year 2010 viz. CIBIL Detect and CIBIL Mortgage Check. These were information databases on activities considered highly risky in nature and mortgages respectively.
Today, almost all banks rely heavily on credit scores from credit bureaus to analyse borrowers’ creditworthiness. By reviewing credit information reports (CIRs), lending institutions are now able to assess and manage risk better. This helps in reduction of NPAs contributing to a healthier overall credit system in the country. Borrowers are now able to access their credit reports and scores to better understand their chances when it comes to being approved for a loan. They can work towards building their credibility before opting for a loan thereby rejecting their chances of rejection. Awareness on CIBIL and its services is on the rise with many initiatives being launched to educate the masses on the need to maintain financial discipline and the consequences of lapses.
CIBIL works with the mission and vision to provide customers solutions that will facilitate making the best decisions, supported by suitable technology and services to make the required information available to them in the best way possible. Even with the presence of other credit bureaus in India, it is always the company’s endeavour to be their audience’s first choice.
A numeric score, released by CIBIL, indicating an individual's creditworthiness. It is calculated based on credit data collected from member financial institutions that have extended credit to individuals in the form of loans or credit cards. Higher the score, stronger the individual's creditworthiness. CIBIL scores a.k.a. credit scores, are widely used as a key parameter when determining a borrower's eligibility for a loan or credit card. Read on to find out how CIBIL scores are computed and how it affects your loan and credit card approval.
A comprehensive report compiling an individual's credit information, sourced by CIBIL from various member lending financial institutions viz. banks and credit card issuers. A CIBIL report a.k.a. credit report contains pertinent information about an individual's borrowing history and repayment patterns including delays and defaults. This report acts as a key source of credit information to assess a borrower's creditworthiness. Information in this report helps an individual understand how his/her credit score has been affected.
CIBIL scores are determined based on a number of factors including how often and regularly you service debt obligations. Find out what impacts your credit score resulting in a good or bad credit rating.
Dogged by a bad credit report or credit score? Mediocre credit ratings have your bank officers on edge about how much they ought to lend you? Learn about how you can get your CIBIL rating to look better than ever before.
Do you think CIBIL scores are just an elaborate government ploy to get you to pay your credit card bills on time? Does your mom worry that the neighbour’s son has a better credit score than you? Get the real deal on CIBIL scores and what they mean to you with these important facts about credit scores.
Did you know….For all those questions left unanswered and more, we list out the most popular questions about CIBIL, credit ratings, reports and scores.
What goes into the making of a good CIBIL score? In this segment, we deconstruct a credit score to find out what you should or should not do to get a good credit score.
CIBIL reports are built over a period of time and so also your score. A good credit rating is a reflection of your credit habits. What are good credit habits?
You might get your cheque in the box just in time to clear a payment due on your loan or credit card, but paying your bills isn’t the only way to stay in CIBIL’s good books. Get the inside scoop on the mistakes you should avoid to keep your credit score from going bad.
Knowing your credit report is great; but when it comes to CIBIL, there’s more than meets the score. Get the dope on the lesser known facts about credit scores including how they are computed and what really gets your CIBIL report going.
The right credit score will make you feel right at home at any bank. Home loans are often high quantum, long-term loans that make lenders wary about whose homes they’re financing. What CIBIL score should you have to impress your bank for the most affordable housing loan?
Nothing personal about your creditworthiness when it comes to taking out a personal loan. Being an unsecured loan, you’ll want to have your credit score in just the right range to make sure you get your bank to fund you instantly. How high should your credit score be to get the best personal loan in town?
Fuel your dream ride with a range of car loans that suit your pocket. Walk in with a good CIBIL score and drive away with a new set of wheels.Check if your CIBIL score qualifies you for the car loan of your choice.
If you think CIBIL is a secret service agency that runs an underground operation of loan and credit card dealers, think again! Get your facts straight and but those myths about CIBIL and credit scores.
Getting a loan or a credit card? Let’s talk CIBIL. Like ‘em or love ‘em, CIBIL is definitely here to stay and is getting bigger. Credit assessment is finding new applications in India’s diverse financial system. Insurance? Utilities? What other products and services will CIBIL make its mark on next?
What’s a model borrower like you doing with a bad credit report? Maybe your bank forgot to record a payment or they got your payment dates wrong. Whatever got you at the wrong end of the stick, we help you find a way to get your CIBIL report back in order.
How is a credit report built at CIBIL? What are the key points to look out for when reading a CIBIL credit report?Check off what you need to look out for with our handy CIBIL report checklist.
A CIBIL score is a numeric representation of your creditworthiness based on information contained in your report. A CIBIL report is a comprehensive record of your credit transactions based on your credit history. This is just one of the many differences between a CIBIL score and a CIBIL report.
Monitoring credit score, at regular intervals, is pivotal to figure out where you stand. Normally, CIBIL score ranges from 300-900, but it is advisable to score higher than 750 to get approvals on loan application and credit card. Every time a lender updates new information on the credit account, credit score alters. Check your Free Credit Score by following simple steps.
Founded in 2000, the Credit Information Bureau of India Limited (CIBIL) collects a record of an individual’s loans and credit cards. CIBIL, which is ISO 27001:2005 certified, is divided into two divisions, namely, consumer bureau and commercial bureau. The consumer bureau (launched in 2004) has over 260 million records while the commercial bureau (launched in 2006) has over 12 million records. TransUnion International and Dun and Bradstreet are CIBIL’s technical partners.Q. What’s a CIBIL score?
Banks, as part of their due diligence process, gauge the creditworthiness of individuals based on credit scores. The information listed on your credit report includes several variables that CIBIL uses to set your credit score. CIBIL score, therefore, reflects the extent of the probability of a default. An individual’s credit history is submitted to CIBIL by banks and financial institutions on a monthly basis.Q. Is there only one credit bureau in the country?
In addition to CIBIL, there are three other credit bureaus in India, namely, Experian Credit Information Co. of India Pvt. Ltd, Equifax Credit Information Services Pvt. Ltd and CRIF High Mark Credit Information Services Pvt. Ltd. Since all the three have different scoring patterns, your score may vary. Nevertheless, if you have a good CIBIL score, you will get favourable scores by others too.Q. Will checking your score have negative repercussions?
Experts suggest checking one’s CIBIL score once a year. The practice is often considered a ‘soft inquiry’ as opposed to credit card issuers asking CIBIL for your score, known as a ‘hard inquiry’ (mentioned in the ‘enquiry section’ of your report). Also, if you apply for a loan with various banks at the same time, it will result in hard inquiries which may have a negative impact your score.Q. What’s a control number?
The control number is a nine digit unique number that helps CIBIL track your credit report. The control number is generated if and when banks access your credit report.Q. What happens if there is no information available for the details I provide?
If there is no information available for CIBIL to generate a credit report for you, then the money that you paid towards the report will be refunded.Q. How does the CIBIL scoring system work?
CIBIL’s scoring system takes into account all your previous credit information from all types of loans to credit cards, etc. and considers your performance (whether you’ve paid on time or delayed payments, or defaulted on payments entirely) and collates all this information into a numerical score. The score is on a scale from 300-900, and scores above 700 are eligible for loans from most of the established lenders. The closer your score is to 900, the better your chances are of having a loan or credit card approved. In addition to a numerical score, lenders from whom you’ve previously borrowed are able to leave comments about your credit performance against the score. Whether the comments they leave are good or bad is entirely up to you and how manage your finances.
Maintaining a good Credit Score is very important. Let’s give you some ways to improve your Credit Score. Follow these tips and you’re on the right track.
Be Regular With Bill Payments
Start paying those bills on time and your Credit Score will gradually improve.
Foot The Entire Bill
Paying only the minimum amount due on your Credit Card is not a good idea. Pay the full bill.
Increase Your Credit Limit
If you have a lower credit limit and still max out your Credit Card, that hurts your Credit Score. Boost your Credit Limit and use a lower limit. That’s better.
Foreclosing Loans? Not A Good Idea
If you think making a lump-sum payment on your loan will boost your Credit Score, think again. Pay your EMIs on time to show that you have a good repayment history. Ready to improve your Credit Score? Let’s get you started by getting you the perfect Credit Card.
The Securities and Exchange Board of India (SEBI) is examining the credit rating agencies regarding how well they assessed loans against shares provided by debt mutual funds. Recently, the buzz in the financial sector was that several corporates were unable to make timely repayments. This caused a huge str as the mutual funds were unable to pay fixed maturity plans to their subscribers on time. As per reports, SEBI has asked credit bureaus to provide details on the available cover amount on all outstanding ratings of NCDs (non-convertible debentures) that are backed by shares as collateral. The capital market regulator has also asked for the parameters used to assess the instruments.
Loan against shares was brought into scrutiny when mutual funds allowed Essel group’s promoters sell their assets and repay debt during massive cash crunch. Ideally, debt repayment should have been done by selling stocks. The time given to Essel group’s cash-strapped promoter affected fixed maturity plans payments of Kotak Mahindra AMC and HDFC AMC.
9 May 2019
Freecharge co-founder Kunal Shah is all set to launch Cred, a new product for credit card users. The platform aims consumers who have high creditworthiness and a credit score of 750 and above. Cred which raised $25 million from Sequoia Capital and others, let users pay their credit card bills and reward them for timely payments with offers and discounts on shopping, health services and other sites. Another key feature of the platform is that it helps consumers discover hidden charges in credit cards thereby giving them an opportunity to remove it. Initially, Cred will only offer the service to customers with a credit score of 750 and above. People with lower scores will be initially waitlisted. Cred has partnered with companies including BookMyShow, CureFit, Furlenco,FreshMenu, CultFit, iXigo and others to provide offers and discounts to customers. The Cred platform which is currently in beta will be free for the consumers, however, merchants will have to pay a small fee. Shah says that there are millions of consumers who are not aware of the benefits of having a healthy credit score. The platform will help consumers with a high credit score and encourage them to continue the disciplined consistent repayment behaviour.
30 November 2018
Up until recently, a credit score was essential if a person wanted to avail a line of credit, whether it is a personal loan, home loan, or a credit card. While the concept of relevance is still holding steady even now, it is slowly being replaced by various unconventional concepts.
To begin with, there are plenty of NBFCs and new fintech companies in the market are coming up with their own way of determining a person’s creditworthiness. For starters, some companies are going the Social Rating way, a concept which was introduced in China and is expected to become a reality by 2020. Through this, lenders will scrape data from an applicant’s social media presence and analyse their profiles and adjudge the same with a quotient, based on their own trademark methodologies.
Some companies are checking out a person’s facebook, twitter, instagram, and Google + and other areas to put in a credit score. These sights are highly rich with data and will provide crucial insights into an individual’s personality, their lifestyle and their spending habit.
All of this information included will help the lender come up with a solid rating which i turn will be used to judge a person’s repaying ability.
16 October 2018
A credit card is a very good way of availing credit without being charged any interest. If you use a credit card the right way, it can be one of the most useful pieces of plastic that you have ever seen in life.
A credit card, if used the right way, will help you build a good credit history. Overall, you will then be able also build a good credit score. If you maintain a good credit score, you will get loan approvals easily.
Some of the other benefits of using a credit card include the advantage of earning a good set of reward points that can be used at any point of time. Many credit card companies also offer a joining bonus or gift cards. There are also a number of other benefits of owning a credit card such as insurance and other free perks such as lounge access at various airports, both domestic and international. Also, if make a high value purchase, you can easily convert the same into an EMI. At the time of emergency, you can also take a loan against your credit card or also draw money from the ATM.
27 July 2018
A CIBIL score is an important factor that is taken into consideration by banks and non-banking finance companies (NBFC) at the time of your loan or credit card approval. It determines your creditworthiness and helps lenders take a sound decision of whether or not you are capable of repaying the debt. Generally, a CIBIL score of 750 and above is considered as ideal by banks and NBFC. A higher credit score increases your chances of getting cards with better benefits and loans with lower interest rates.
In recent times, public sector banks have started offering home loans at discounted rates for consumers who have a strong CIBIL score that is above 750. Experts are stating that soon preferential pricing will be applied to other loan segments. As mentioned earlier, a CIBIL score represents an individual's credit worthiness. Prior to the CIBIL score, banks and NBFC lacked the ability to identify an individual’s payment behaviour and check his credit history.
What is a credit score?
A CIBIL score is a three-digit number between 300-900, 900 being the highest. A higher CIBIL score suggests good credit history and responsible repayment behavior. However, if you have a CIBIL score below 750, you can take small measures to improve it.
Steps to improve credit score:
• Make timely bill payments: In order to prove that you can manage your debt efficiently, make sure to pay all your debts on time. Avoid delays in paying your bills to maintain a good credit score. Try not to pay partial amounts as it may showcase you as undisciplined credit payer and bring your credit score down.
• Review your credit report: In addition to monitoring your credit score, it is advised to check your credit report from time-to-time as it might have errors. It is better to review your credit report regularly, as you can rectify any errors on time.
• Mix of credits: You should have a good mix of secured and unsecured loans. This suggests that you can handle different types of credits efficiently.
• Avoid hard credit checks: When you apply for a loan or a credit card and the application gets rejected, it is advisable not to re-apply instantly. Each of the credit application/requests will attract a hard credit report check by the bank.
• Limit your credit usage: Maintaining a discipline when it comes to credit card usage is of utmost importance. It is advisable to not exhaust your entire credit limit. Until your credit score reaches 750, make sure to not spend over 50% of your credit card limit.
• Never remove/delete old accounts: Don’t remove or deactivate old accounts or accounts with negative history from your credit report. Getting old accounts removed may harm your score a lot as they may have a good repayment history. Record of paid your debts should be kept in your report as they help in improving your score.
Keep in mind all the aforementioned points in order to build a credit history and maintain a healthy credit score.
19 July 2018
TransUnion CIBIL which was formerly known as the Credit Information Bureau (India) Ltd is a credit agency in India that offers CIBIL score and CIBIL report. Authorised by the Reserve Bank of India (RBI), CIBIL was Incorporated in 2000. A CIBIL score helps banks and non-banking financial companies (NBFC) to evaluate your creditworthiness. Generated by CIBIL, a CIBIL score represents your financial health. In order to calculate your CIBIL score, CIBIL takes into account your credit information in detail.
A CIBIL score is a three-digit number between 300-900, 900 being the highest. A higher CIBIL score suggests good credit history and responsible repayment behavior. Generally, all credit bureaus consider 750 and above as an ideal score. Higher the CIBIL score better the chances are for you to get low interest rate credit cards, approval for higher credit limits, quick loan approvals, home loans and car loans. Hence, maintaining a healthy credit score is of utmost importance. A CIBIL score is calculated on the basis of your credit history, credit type and credit exposure. Paying off debts, timely payment of bills, maintaining a low credit utilisation ratio, checking your credit report periodically, having mixed type of credits, not closing old accounts are some of the simple ways in which you can increase and maintain your CIBIL score. It is always advisable to have credit score higher than 750 to have positive response on loan or credit card application.
Here are some of the factors that decide your CIBIl score:
• Amount of debt
• Age of credit history
• Credit inquiries
• Repayment history
• Type of debt
3 July 2018
According to a latest study from Transunion CIBIL, around 15 crore credit-worthy consumers are still untapped by banks for loans. These potential consumers are eligible for small loans of about Rs. 15,000 but have still not availed them. Giving further insights, the study stated that there are around 22 crore credit-eligible consumers in India, out of which only 7.2 crore are currently credit-active. This essentially means that these people currently have a live loan account with a bank or lending institution.
Cibil is facilitating loans to these potential borrowers by providing a ‘new to credit (NTC)’ score. The NTC score is based on analytics and not on the traditional credit score, which is based on at least six months of repayment track record. Lenders can draw the NTC score from Cibil and provide loans to this segment. The Cibil study comprised of people in the age group of 20-69 year and with income over Rs 2.5 lakh p.a.
23 May 2018
Yes, you can check your CIBIL Score online. CIBIL which stands for Credit Information Bureau (India) Limited offers one free credit report every year that contains your credit score. Knowing your CIBIL score is important as it is a prime factor when it comes to loan and credit card approvals. A three-digit CIBIL score in the range of 300-900 represents your credit worthiness.
Here’s how you can check your CIBIL Score online.
First, you will need to fill the CIBIL online credit score request form.
Step 1: Select from the following subscription plans:
Bi-Annual Subscription - 2 Score Reports (Rs.800)
Quarterly Subscription - 4 Score Reports (Rs.1200)
Step 2: Enter your date of birth, gender, PAN, and email address
Step 3: Input the displayed characters in the given box
Step 4: Tick on the box before ‘I acknowledge and accept the Terms and Conditions applicable and available on the site.’
Step 5: Click on ‘Proceed to Payment
You will be redirected to an authentication page after you complete the payment. Here, you will need to answer 5 questions related to your credit history. Out of the 5 questions, you will have to answer at least 3 correctly to authenticate your identity following which the credit report will be sent to your email address within 24 hours.
12 March 2018
What is a credit score? How important is that? In simple words, it represents a person’s potential of paying dues. A three-digit credit score is amongst the most vital elements of financial details with respect to a person, but many people don’t understand the importance of it. It will be used by credit card issuers, banking companies, retailers and landowners in order to decide how monetarily reliable you shall be. An unhealthy credit rating may result in remitting higher interest rates not being selected for personal financial products.
A person can obtain a free copy of credit report from each of the credit rating agencies in India, but a majority of people appear uninformed of in what way a credit score is essential. There are many reasons for establishing and building a credit score. With a good credit rating, an individual can get the best personal financial products whereas with a bad rating, it is tough. Make sure to check your credit score periodically and be well-rated always. You credibility should be trustworthy.
2 February 2018
The Chief Information Officer (CIO) of TransUnion CIBIL has discussed the need to digitise process workflows and a change of policy to help meet the needs of the BFSI sector. Excerpts from an interview highlight the need to embrace new technology such as CreditVision, a product which will look at an individual’s credit scores over a period of time as a means to gauge his/her creditworthiness.
CreditVision seeks to provide more customer insight to banking institutions in an effort to distinguish the risks associated with individuals who have the same CIBIL score but could have divergent patterns of risk.
23 July 2017
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