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A CIBIL report is computed by TransUnion CIBIL, which is the first credit bureau in the country. The information about all your loans (home, auto, and personal), credit cards, bill payments, enquiries, and CIBIL scores are present in your CIBIL report.
A CIBIL report is prepared by the TransUnion CIBIL credit bureau. It is a detailed summary of your credit history. It records the type of loans (home, auto, and personal) and credit cards that have been availed by you over a period of time.
A CIBIL report is also known as a credit information report. It helps lenders take sound decisions about lending credit to potential borrowers. CIBIL collects your credit data from lenders such as banks, credit card companies, non-banking finance companies (NBFC), and housing finance companies. With the help of your report, lenders can measure your creditworthiness and decide if you have the ability to repay the borrowed amount.
Other Credit Bureau: Equifax Credit Report
A CIBIL report contains six main sections. Let’s learn about them in detail.
CIBIL Score: A CIBIL score is a 3-digit number that falls in the range of 300-900. It is calculated by the CIBIL credit bureau after taking into consideration factors such as credit history and repayment behavior. A CIBIL score in the range of 750-900 is considered as a good score. A higher CIBIL score suggests you have high creditworthiness. It increases your chances of getting a good deal on loan interest rates as well as credit cards.
Personal Information: As the name suggests, this section contains your personal information such as name, date of birth, and unique identification numbers like PAN and Aadhaar. You need to make sure that the personal details are accurate in the report. These details are reported to the bureau by the bank.
Contact Information: This section will have your mobile number, telephone number, residential address, and email address.
Employment Information: This section of the CIBIL report contains your employment information. It will specify the type of your occupation such as salaried, professional, or business. It will also mention your monthly or annual income as reported by banks.
Account Information: This is the most important section of your CIBIL report as it contains records of your credit accounts. It will mention the loans and credit cards you have taken. The report will also mention the lenders’ names and loan amounts. The report will record your defaults, late payments, amount overdue, current balance, date opened, and date of last payment.
It contains a month-on-month record of your payments toward your loan EMIs as well as credit card bills for up to the last 3 years. You should ensure that the loan details reflected in the account are accurate. Discrepancies in your credit report can reduce your chances of getting loan approval.
Enquiry Information:This section records all the enquiries made by lenders in the past. An enquiry takes place when a lender pulls out your CIBIL report from the bureau to check your creditworthiness. The date and purpose of the enquiry is also mentioned in the report. The enquiry amount is also recorded in the report. It is advised to avoid making multiple credit enquiries in a short span of time as it may trigger hard enquiries from lenders, making you appear credit-hungry.
When you apply for a loan or a credit card, lenders will check your credit report to know your credit status. It will help them know if you have been a responsible borrower in the past. A CIBIL report that displays prompt payment behaviour, low number of credit inquiries, and good credit history will increase your chances of getting approvals for future loans.
As per RBI’s mandate in 2017, all the credit bureaus in the country are required to offer one free detailed credit report to consumers with credit history every calendar year. You can visit CIBIL’s official website and get your CIBIL report. You can check your Experian credit report by visiting BankBazaar.
Currently, there are 3 types of subscription plans you can choose to get your CIBIL Report:
Step 1: Once you select the plan, you will need to create an account by filling up basic information like email address, name, mobile number, date of birth, and identity proof (driver’s license, PAN card, passport, Voter ID, ration card number).
Step 2: Verify your identity. CIBIL will either send you an OTP to verify your details or ask some questions to confirm your identity.
Step 3: Make the payment.
It is a good habit to check your CIBIL report from time-to-time as it gives you an idea of your credit status.
A CIBIL report is a summary of your detailed credit behaviour. It consists of various sections that offer detailed information ranging from your personal information, home or auto loan availed, overdraft facilities, personal loan, and much more. In addition, the CIBIL report consists of your CIBIL score and history. There are several key terms and keywords that are present in your CIBIL report that will help you understand the report in a better way.
Cash Limit: Cash limit refers to the amount of cash on your credit card that you are allowed to use.
Amount Overdue: It indicates the total amount that has not been paid to the lender in a specific time.
NA/NH: NA means No Activity while NH means No History. This means you have no credit history or not even a credit history to get scored. The NA/NH term also means you have no credit activity for a couple of years. Finally, it also suggests that you do not have any add-on credit cards and have no credit exposure.
DPD: Days Past Due refers to the number of days that have passed since the due date of the payment. It must be noted that anything over zero or even ‘Standard’ is bad.
Written-Off Amount: When a loan is written off there is an interest and principal component. This field reflects the total interest and principal amount written-off.
Written-Off and Settled Status: If the status of an account is mentioned as written off, it implies that the borrower was unable to pay the outstanding dues for more than 180 days and as a result, the lender has written off the unpaid dues. If the status of an account is mentioned as settled, it implies that, the borrower in consent with the lender, has partly paid the dues against the total outstanding amount.
SMA: Special Mention Account refers to a special account created for reporting a standard account that is moving towards a sub-standard.
CN: Control Number acts as a reference number in case there is some incorrect information in the credit report. It is presented at the top of the document.
Repayment Tenure: It refers to the term of your loan. In order to understand it accurately, repayment tenure should be read with ‘Payment Frequency’.
SUB: Sub-standard refers to accounts (loan/credit card) payments that are made after 90 days.
LSS: It refers to the account where the loss has been identified and remains uncollectible.
DBT: It means an account that has continued to remain in the sub-standard account status for 12 months.
Actual Payment Amount: It is the amount you have paid the lender if it is different from the EMI amount. The actual payment amount can be higher or lower than the EMI amount.
Current Balance: It refers to the amount that you still owe on a certain credit facility.
STD: This entry is termed as (Standard) and is found against loan/credit card accounts, if the credit payments are made in a timely manner, or within 90 days from the due date.
Loans are of two types:
Secured loans: These are loans like home loans, and auto loans and they are secured by a collateral.
Unsecured loans: These loans are like personal loans and credit cards. You can avail of these loans without a collateral.
Balanced mix of loans
Having a good credit score can benefit you in many ways:
Step 1: Go to the official website.
Step 2: Select ‘Get Yours Now’
Step 3: Fill in the information required and create an account for yourself
Step 4: Go to ‘ID Type’
Step 5: Choose ‘Income Tax ID Number (PAN)’
Step 6: Type in your ID number
Step 7: Select ‘Accept & Continue’
Step 8: Within 24 hours, you will get a free credit report and also your score to your mail
If you have opted for a CIBIL report without money for the current year:
Step 1: Visit the official cibil website
Step 2: Choose ‘Get Your CIBIL Score’
Step 3: Select your product
Step 4: Type in all information
Step 5: Answer a few questions about credit cards and loans
Step 6: Your CIBIL score and report will be sent to your email ID
Call +91-22-6140-4300 to connect to CIBIL customer care. You can call this number from Monday to Friday (10:00 a.m. to 6:00 p.m.)
The CIBIL customer care fax number is +91 - 22 - 6638 4666
You can visit the corporate office or write to them at:
TransUnion CIBIL Limited (Formerly: Credit Information Bureau (India) Limited)
One Indiabulls Centre, Tower 2A, 19th Floor,
Senapati Bapat Marg, Elphinstone Road,
Mumbai - 400013
You can visit https://www.CIBIL.com and select ‘Contact Us’. Then choose ‘To Contact Us Online’ and choose ‘Click here’. Enter the details and click on ‘Submit’.
RBI has made it mandatory for banks to comply with an individual's desire to access his or her credit report. If a bank declines a credit card or loan application, you can ask for the control number of your CIBIL credit report. You can then contact CIBIL at firstname.lastname@example.org and communicate details of errors in the report
Yes, you need to apply for credit reports using forms published by CIBIL. You can get these forms from their website.
Yes, if you want just the credit report then you can apply for it without having to take the TransUnion score along with it.
If you check your CIBIL score for free or purchase any of the subscriptions plan online, you can access your report instantly upon successful authentication. In case of unsuccessful authentication, you will need to upload your KYC documents for verification. Upon verification, your CIBIL credit report will sent to your registered mailing address in 7 business days via Courier/ Speed Post/ Express Delivery.
Along with the application form, you will need to send an ID proof and an address proof. This applies even to companies, in whose case you will have to send the ID and address proof of the authorised signatory.
Yes. The supporting documents, ID and address proof should reach CIBIL within 7 days of your application for the generation of a credit report.
It will be sent within 7 business days via Courier/ Speed Post/ Express Delivery.
The delivery service will make only two attempts to deliver the report at your address. If you are not there to receive it a second time then it will be returned to CIBIL and you will have to apply for the report all over again.
CIBIL will tolerate up to 3 mistakes on the credit report. If you make more than 3 mistakes then your application will not be processed.
f your details are wrong but match another person then the report will be generated and sent to them at your cost.
If your address proof does not match the one that CIBIL has on record then your application will not be processed. You can update your address by sending KYC documents along with any other supporting documents needed.
You can pay for the credit report using a demand draft, credit card, debit card or through net banking.
TransUnion CIBIL is one of the leading credit information companies in India. The company maintains one of the largest collections of consumer credit information in the world. CIBIL Score plays a key role in the lives of consumers. Banks and other lenders check the CIBIL Score of the applicants before approving their loan or credit card application. Consumers can visit the official website of CIBIL to check their CIBIL Score and Report. CHECK YOUR CIBIL SCORE now.
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