Check Your CIBIL Credit Score & Credit Information Report Online

by Shiv Kukreja on August 8, 2012

in Credit

This post is written by Shiv Kukreja, who is a Certified Financial Planner and runs a financial planning firm, Ojas Capital in Delhi/NCR. He can be reached at skukreja@investitude.co.in

This is the 3rd post in a series of posts covering CIBIL Credit Information Report and CIBIL Credit Score. You can access the earlier two posts here:

CIBIL TransUnion credit score – role in a loan application process

CIBIL Credit Information Report

By now, you must have become well versed with the contents of a Credit Information Report and the significance of a credit score. Now it is time to know how you can access your report and know what your credit score is.

You can access your CIBIL TransUnion Score along with the full Credit Information Report for a nominal fee of Rs. 470. You are just required to fill a request form with some basic details like Name, Address, Date of Birth, Gender, Contact Details etc. and keep the self-attested copies of your Identity Proof and Address Proof ready.

You can see the application here.

Online payments can be made either through Net Banking platform of a bank or through a debit card/credit card/cash card. The net banking facility is available with 33 banks as of now. You will get a unique CIBIL registration ID and transaction ID as a confirmation on successful completion of your online payment. After the payment is made, you need to answer 3-5 questions about any of your loans or credit cards to authenticate your application. You’ll then be required to provide the soft copies of your identity proof and address proof.

If your application gets authenticated, you’ll receive your credit score and CIR in your e-mail in about 2-4 days. However, if the authentication fails, you need to take a printout of the receipt for online payment and mail it to the below mentioned CIBIL address along with your proofs.

Consumer Relations: Credit Information Bureau (India) Limited,
Hoechst House, 6th Floor, 193 Backbay Reclamation,
Nariman Point, Mumbai 400 021, India.
Tel.: 022 61404300, email: info@cibil.com

Offline Application

If you decide against going online, then you will have to take a printout of the application form, duly fill it and get a Demand Draft (DD) made worth Rs. 470. Again attach the copies of your identity and address proofs along and send it to the above mentioned address.

Also, if you wish to purchase only your Credit Information Report, then you can do so by having a DD of just Rs. 154 and follow the above mentioned process. But, in that case, the process would be offline only because there is no provision to get it online without asking for your credit score.

You also need to sign the form in order to confirm your requests. Note that the address proof (except passport) – bank statement, telephone bill, electricity bill or credit card statement should not be more than 3 months old and should be in your name matching with your name in your loan/credit card account or on your PAN card (if you do not have any loan or credit card).
Like many of us undergo physical health check-ups, I think one should get his or her credit score checked at least once a year. It will keep you aware of your credit health and make you take necessary steps to correct it whenever required.

So what are you waiting for now? Just visit the CIBIL website and get your score checked. I’m sure there will be many surprises in store for many of us. Just share your score and experiences here with us so that we have a platform to understand these things in more detail.

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{ 522 comments… read them below or add one }

jay August 15, 2015 at 2:00 PM

how can i check my cibil score which one maximum to apply loan

Reply

Ramesh August 16, 2015 at 5:47 AM

Hello Sir,

I have credit card due at ICICI BANK. After paying full and final amount what documents to be collected. How long will it take for the bank to provide.

As per conversation with collection executive he told I will be getting a regular credit card statement reflecting zero outstanding balance. This statement can be considered as no dues certificate.
Please advice as the collection person as goofed up before by saying it will be settled however after making parrial payment as settlement in bank
still reflects outstanding balance. I will appreciate your help.

Regards,
Ramesh

Reply

Amirtharaj August 16, 2015 at 7:06 PM

Please inform my cibil scor thank you

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Jagmohan Singh August 21, 2015 at 9:13 PM

CIBIL report for 1 year

Reply

Santhosh August 22, 2015 at 12:24 AM

Hi pledging gold in bank will increase my Cibil score

Reply

Santhosh August 22, 2015 at 12:26 AM

After clearing all my loans & default loans my score remains 598 same for 2 years, bi hope no updates are happening in Cibil

Reply

Gerald magnum August 25, 2015 at 6:23 PM

Hi sir I’m Gerald magnum I have take personal lone in 2004 I could pay due to no job in 2014 I have done settlement my lone no LIVPM00006689867 can u tell me my name will be in cibil what I have to do to clear my name in cibil

Reply

Sunil choudhary August 25, 2015 at 9:33 PM

Please I want to know my cibil report

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