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How to get a CIBIL Report?Ĭurrently, there are 3 types of subscription plans you can choose to get your CIBIL Report: You can check your Experian credit report by visiting BankBazaar. You can visit CIBIL’s official website and get your CIBIL report.
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Check your CIBIL Report Without Money:Īs 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. 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. It will help them know if you have been a responsible borrower in the past. When you apply for a loan or a credit card, lenders will check your credit report to know your credit status. 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. The enquiry amount is also recorded in the report. The date and purpose of the enquiry is also mentioned in the report. An enquiry takes place when a lender pulls out your CIBIL report from the bureau to check your creditworthiness. This section records all the enquiries made by lenders in the past. Discrepancies in your credit report can reduce your chances of getting a loan approval. You should ensure that the loan details reflected in the account are accurate. 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.
The report will record your defaults, late payments, amount overdue, current balance, date opened, and date of last payment. The report will also mention the lenders’ names and loan amounts. It will mention the loans and credit cards you have taken. This is the most important section of your CIBIL report as it contains records of your credit accounts. It will also mention your monthly or annual income as reported by banks. It will specify the type of your occupation such as salaried, professional, or business. This section of the CIBIL report contains your employment information. This section will have your mobile number, telephone number, residential address, and email address. These details are reported to the bureau by the bank. You need to make sure that the personal details are accurate in the report. Personal Information:Īs the name suggests, this section contains your personal information such as name, date of birth, unique identification numbers like PAN and Aadhaar. It increases your chances of getting a good deal on loan interest rates as well as credit cards. A higher CIBIL score suggests you have a high creditworthiness. A CIBIL score in the range of 750-900 is considered as a good score.
It is calculated by the CIBIL credit bureau after taking into consideration factors such as credit history and repayment behavior. Components of a CIBIL Report: CIBIL Score:Ī CIBIL score is a 3-digit number that falls in the range of 300-900. Equifax Credit Report A CIBIL report contains six main sections.