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Access your personal credit score

CIBIL gives your Credit Information Report on request.

Score high:Be upfront about repayment of loans.

Credit Information Bureau (India) Ltd., known as CIBIL, has conceded a long-pending demand that people be given direct access to their personal credit score. Hitherto, only lending institutions could do so.

CIBIL is a storehouse of credit information on individuals and commercial establishments. It collects credit information of consumers and commercial establishments from its members, collates it, and passes it on to any member who places a request. The members are banks, financial institutions, housing-finance companies, credit-card issuers, and other lending institutions.

CIBIL provides the information in a format called CIR (Credit Information Report), which contains details of borrowings and payment history of a customer, overdue, if any, enquiries made with lending institutions, suit-filed status, and so on.

The CIRs, which have a significant say in processing of loan applications, have become an important tool in the hands of loan-sanctioning authorities. The credit score, called CIBIL TransUnion Score, is the summary of the CIR, given in a number. The score varies between 300 and 900, arrived at by analysing the details available in the CIR.

The credit score indicates how likely the loan applicant will pay back the loan, on the basis of the past pattern of credit usage and loan repayment history. Higher the credit score, higher the chances for credit approval.

You can have your CIR alone from CIBIL for a fee of Rs.142 and with the credit score, for Rs. 450. You can fill the request form on, upload the scanned copies (self-attested) of approved documents of your identity and residence proof and pay the fee via net-banking.

The documents approved for identity proof are PAN card, passport or voter ID. For residence proof, the documents can be the latest bank statement, electricity bill, telephone bill, passport, or credit-card statement.

On completing the transaction, you will receive a unique CIBIL registration ID and transaction ID in your online payment confirmation.

You will also receive confirmation on your e-mail account. You need to take hard copies of the documents uploaded and send the entire set to CIBIL at any one of the office addresses provided on the website.


Alternatively, you can download the requisition form from the website and fill it. You need to take a demand draft favouring ‘Credit Information Bureau (India) Ltd.' payable at Mumbai for the fee.

You need to send the filled application and demand draft, along with self-attested copies of identity proof and residence proof, to CIBIL at one of the addresses given on the website.

On verification of documents and receiving the fees, CIBIL will dispatch your CIR, along with instructions on how to understand the report. However, on receiving your CIBIL report, if you require any explanation/clarification, you can e-mail to quoting your CIR number or call (022) 614 04300.

There are four major factors on which your credit score is calculated, such as your repayment history, utilisation of credit facilities, concentration of higher unsecured loans, and enquiries made at various lenders for credit.

Your payment history has a significant impact on your score.

If your repayment tracks on all existing loans are regular, you will be awarded higher marks and if you have missed or delayed repayments on any of your existing loans over the past two years, your score is likely to be very low.

If you are using credit cards and overdraft, making payments regularly without keeping higher outstanding amounts raises your score. Indiscipline in utilising credit facilities and higher utilisation of credit facilities will lead to lower score.

In your loan portfolio, if you have more secured loans such as home and auto loan, which are normally need-based, a higher score is likely.

On the other hand, if you have more unsecured loans such as personal loan, consumer loan, and credit-card dues, the score will come down.

If you have approached many lenders for credit in the recent past, whether you have taken the loan or your applications were rejected or pending, such information leads to negative scoring.


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