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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{ 486 comments… read them below or add one }

Yugaander February 4, 2015 at 3:52 pm

Hi Team,

I have requested for an education loan interest wayoff from my branch manager, i just want to understand will this effect my cibil ratings.
My primary question is whether education loan is also being tracked under CIBIL

regards,
Yugaander D

Reply

Credexpert February 9, 2015 at 11:25 am

Dear Yugaander,

Any waive off on your loan – be it the principal or interest amount will result in settlement. This means that you have not paid the entire amount due and the same will appear on your CIBIL report.

Information on all loans from all lending institutions are shared with CIBIL. Thus the details of your education loan will also appear on your CIBIL report. If you do not pay the entire amount (principal + interest), the bank will report it as “settled” and the same may affect your application for credit facilities in the future. Thus it is always advisable to repay the entire amount due.

Regards,
Credexpert
http://www.credexpert.in

Reply

Yugaander D February 9, 2015 at 11:29 am

thanks for clarifying.

Reply

Surender Reddy February 4, 2015 at 6:08 pm

Civil

Reply

tapankumar jana February 19, 2015 at 4:57 pm

Pan no.acjpj5708p

Reply

dileep kumar thussu February 21, 2015 at 12:51 am

`Dear Sir.I am very sorry to write you that due to your wrong cibil report my personal loan application has been rejected by J&K Bank ltd.There are only three loans of M/S Karina fincap ltd,which are under appeal inthe hon”ble court,New Delhi.Rest the loans taken by me are cleared in due time ,which we can prove. Your cibil report is totaly in correct thus damaging my market reputation,so you are requested to rectify my cibil report as soon as possible.

Reply

Credexpert February 23, 2015 at 11:06 am

Dear Sir,

In order to rectify issues on your credit report, you can raise dispute on the CIBIL website on the below mentioned link:

https://www.cibil.com/file-consumer-dispute/

Regards,
Credexpert
http://www.credexpert.in

Reply

ashok kumar sarkar February 25, 2015 at 11:10 am

My PAN is AYXPS1397R , please intimate my civil searching report if any outstanding against me as earliest please.

Reply

Credexpert February 26, 2015 at 12:12 pm

Dear Sir,

In order to check the outstanding amount reflecting on your CIBIL report you need to obtain your credit report from the credit bureau.
You can access your CIBIL score and report by filling the score request form on the below given link

https://www.cibil.com/online/credit-score-check.do

This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested copy of your KYC details for verification.

Regards,
Credexpert
http://www.credexpert.in

Reply

thirumani rajan February 27, 2015 at 12:10 pm

my pan isAPBPT4795H please my civil reportr if any outstanding against as earliest please

Reply

Credexpert March 2, 2015 at 10:22 am

Dear Sir,

In order to check, if any outstanding amount reflecting on your CIBIL report you need to obtain your credit report from the credit bureau.

You can access your CIBIL score and report by filling the score request form on the below given link

https://www.cibil.com/online/credit-score-check.do

This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested copy of your KYC details for verification.

Regards,
Credexpert
http://www.credexpert.in

Reply

G Ramesh Babi March 4, 2015 at 10:03 pm

I am not able to select telangana state in the buy your credit score

Reply

Credexpert March 5, 2015 at 10:14 am

Dear Sir,

CIBIL has not updated its database, we suggest you to select “Andhra Pradesh” as ‘State’ while applying for your credit report / score.

Regards,
Credexpert
http://www.credexpert.com

Reply

lalit kumar March 15, 2015 at 1:11 am

Check cibil score

Reply

Credexpert March 16, 2015 at 10:12 am

Dear Sir,

In order to check your CIBIL score you need to obtain your credit report from the credit bureau.

You can access your CIBIL score and report by filling the score request form on the below given link

https://www.cibil.com/online/credit-score-check.do

This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested copy of your KYC details for verification.

Regards,
Credexpert
http://www.credexpert.in

Reply

Credexpert March 16, 2015 at 10:11 am

Dear Sir,

In order to check your CIBIL score you need to obtain your credit report from the credit bureau.

You can access your CIBIL score and report by filling the score request form on the below given link

https://www.cibil.com/online/credit-score-check.do

This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested copy of your KYC details for verification.

Regards,
Credexpert
http://www.credexpert.in

Reply

sachin ganpat wadekar March 28, 2015 at 2:42 pm

Dear sir,
my loan a/c.no.60024468248 bank of maharastra has been fully repaid.
cibil has noy update its database.my pan no AAOPW1762F show Defolter .
please update my data

Reply

Credexpert March 30, 2015 at 12:40 pm

Dear Sir,

If you have recently done the payment towards your loan, then it will take to reflect on your report as CIBIL takes 45-60 working days for updating the database.

If the loan has been repaid long before, then you can raise a dispute with CIBIL and / or also contact the respective bank and ask them to update the data with the credit bureau.

Regards,
Credexpert
http://www.credexpert.in

Reply

Credexpert March 30, 2015 at 12:40 pm

Dear Sir,

If you have recently done the payment towards your loan, then it will take to reflect on your report as CIBIL takes 45-60 working days for updating the database.

If the loan has been repaid long before, then you can raise a dispute with CIBIL and / or also contact the respective bank and ask them to update the data with the credit bureau.

Regards,
Credexpert
http://www.credexpert.in

Reply

ganesh April 7, 2015 at 8:31 am

My cibil score

Reply

Credexpert April 9, 2015 at 6:08 pm

Dear Sir,

In order to know your CIBIL score, you need to obtain your credit report from the credit bureau.

You can access your CIBIL score and report by filling the score request form on the below given link
https://www.cibil.com/online/credit-score-check.do

This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested copy of your KYC details for verification.

Regards,
Credexpert
http://www.credexpert.in

Reply

Varun Butala April 8, 2015 at 6:32 pm

MY Cibil Score?? Pl help

Reply

Credexpert April 9, 2015 at 6:08 pm

Dear Sir,

In order to know your CIBIL score, you need to obtain your credit report from the credit bureau.

You can access your CIBIL score and report by filling the score request form on the below given link
https://www.cibil.com/online/credit-score-check.do

This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested copy of your KYC details for verification.

Regards,
Credexpert
http://www.credexpert.in

Reply

Sudhir April 8, 2015 at 11:36 pm

Hi,
My CIBIL record has lots of mistakes starting from name, address, old mobile number to having 6 incorrect/unknown loan accounts in my report. Only 2 loans are correct in my report. Also, one of the housing loan that I have is not reported in the CIBIL report. Looks like lot of crappy data is being reported/maintained here. Anyways the questions I have are,
1) Can I submit only one dispute resolution request with list of all these anomalies ? or will it require separate dispute resolution request for each incorrect record ?
2) Using one control number how many dispute resolution requests can I submit ?

Reply

Credexpert April 9, 2015 at 6:15 pm

Dear Sir,

1) Yes, you can submit just one dispute resolution request with all the issues reflecting in your report.
2) Control Number indicates the uniqueness of your credit report.Therefore it doesn’t matter how many disputes you raise with the control number. when you will obtain a new CIBIL report there will be a different control number for it.

Regards,
Credexpert
http://www.credexpert.in

Reply

Sudhir April 9, 2015 at 6:26 pm

Thanks for your quick and precise answer.

Reply

santhosh kumar April 9, 2015 at 3:25 pm

HI SIR,

this is santhosh i have taken one consumer durable loan from capital first, my last emi got bounse even i have sufficient amount in my bank account they dropped two times but i have sufficient amount. even i paid through branch within 2 days after cheque bounce. this cheque bounce will reflect to CIBIL or NOT kindly suggest me on this. banks will instantly going to update the CIBIL or after some days

Reply

asaram chaure April 18, 2015 at 10:10 pm

Hi am asking this question that I already clear my sbi housing loan and I was got clearance that is no dues certificate from the bank but now my credit record not updated on cibil site and its shows defaulter. What can I do for this bank told me that you will upload no dues certificate on cibil site kindly tell me process of uploading of no dues certificate to cibil site
PlZ help me in this matter.
Asaram R.Chaure
Aurangabad

Reply

Credexpert April 20, 2015 at 5:45 pm

Dear Sir,

The updation process takes 45 – 60 working days for getting updation done on your credit report. Is 45 – 60 working days passed pot payment?
If it is so, we would suggest you to obtain your credit report and score and check the account status, if its not updated you can raise a dispute with CIBIL at https://www.cibil.com/file-consumer-dispute/

You can also contact your bank for updating the correct data with CIBIL.

Regards,
Credexpert
http://www.credexpert.in

Reply

sridhar April 24, 2015 at 6:03 pm

Hi, I had applied for CIBIL score and paid Rs.470/- through netbanking. My registration number is “SCO0415421771″ after the payment debit, I got the below message:

“Regret the inconvenience.
Insufficient questions available for authentication.”

I have not received any mail or sms as confirmation. Please Help!!!

Reply

Credexpert April 25, 2015 at 11:39 am

Dear Sir,

Please check your spam or junk folder for mail from CIBIL.

If you haven’t received any, you can contact customer service of CIBIL at +91-22-6140 4300 or you can also write it to info@cibil.com and mention your registration number in the mail.

Regards,
Credexpert
http://www.credexpert.in

Reply

sridhar April 26, 2015 at 8:47 am

Thank you for the response. I checked my spam and junk folders and not found any …!!! sent a mail to info@cibil.com … i would like to know why it is throwing these kind of errors … I haven’t gone through the authentication process, so does it mean that my request was not processed at all to get the credit report? if yes, then why the money is debited and not getting any acknowledgement to return the money back in case of failed processes?
i have seen so many facing this kind of problem.

Reply

Credexpert April 27, 2015 at 2:12 pm

Dear Sir,

Your queries can be resolved by either calling to customer service of CIBIL or a mail to info@cibil.com

If the authentication has not happened, then probably you will have to upload signed and scanned documents. After verification you will receive hard copy of your report on your mailing address. but still its better to take a confirmation from CIBIL about the status of your credit report.

Regards,
Credexpert
http://www.credexpert.in

Reply

Narendra dutt swami April 28, 2015 at 3:28 pm

cibil report ks ho

Reply

Credexpert April 29, 2015 at 11:18 am

Dear Sir,

In order to know your CIBIL score and report, you need to obtain your credit report from the credit bureau.

You can access your CIBIL score and report by filling the score request form on the below given link
https://www.cibil.com/online/credit-score-check.do

This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested copy of your KYC details for verification.

Regards,
Credexpert
http://www.credexpert.in

Reply

Sanjay Agarwal April 30, 2015 at 2:18 pm

I am pay 470 rupees.please check my good report and send me.please sent your bank acount no. and sent how I deposit the money in your acount

Reply

Credexpert April 30, 2015 at 2:57 pm

Dear Sir,

In order to know your CIBIL score and report, you need to obtain your credit report from the credit bureau.

You can access your CIBIL score and report by filling the score request form on the below given link
https://www.cibil.com/online/credit-score-check.do

This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested copy of your KYC details for verification.

Regards,
Credexpert
http://www.credexpert.in

Reply

sachin bongane May 3, 2015 at 9:53 am

Vishwanathrao mujaji chavan send thin informatin of loan secton this gmail

Reply

sachin bongane May 3, 2015 at 9:53 am

Vishwanathrao mujaji chavan send thin informatin of loan secton this gmail

Reply

Bhaskarjyoti Neog May 12, 2015 at 9:34 pm

Hi,
I had a credit card from Axis bank against which I had an outstanding . My card is already blocked by the bank. I was not able to clear the dues due to my financial crisis for last one year which result in total outstanding amount againt the card to Rs. 17317.76 as on Apr-15. But, toady i had cleared the total outstanding though cash payment. But the issue is already reported in CIBIL. How can i delete the event from CIBIL as early as possible. Kindly suggest me the wayout for the same.

Regards,
Bhaskarjyoti
9435185682

Reply

Credexpert May 13, 2015 at 1:44 pm

Financial Institutions share data with CIBIL on a fortnightly / monthly basis, which is why the updation process takes 45-60 working days. Therefore, we would suggest that you check your CIBIL credit report and score after the said period.

If the account is closed, with DPDs reflecting on it then it will remain on your report and have negative impact until you have a good repayment history for any new credit lines on your report.

IF the account is not closed (no closed date mentioned, current balance reflecting and negative remark reflecting against account status) by the bank after the said period, the you should communicate the same with the bank and raise a dispute with CIBIL for proper updation. Also, make sure you have received a ‘No Due Certificate’ for complete closure from the bank.

Regards,
Credexpert
http://www.credexpert.in

Reply

pawan kumar May 13, 2015 at 6:08 pm

ples find my cibil report

Reply

Credexpert May 14, 2015 at 11:15 am

Dear Sir,

In order to know your CIBIL score and report, you need to obtain your credit report from the credit bureau.

You can access your CIBIL score and report by filling the score request form on the below given link
https://www.cibil.com/online/credit-score-check.do

This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested copy of your KYC details for verification.

Regards,
Credexpert
http://www.credexpert.in

Reply

pawan kumar May 13, 2015 at 6:11 pm

faq on cibil,cirreport and score

Reply

Credexpert May 14, 2015 at 11:15 am

Dear Sir,

In order to know your CIBIL score and report, you need to obtain your credit report from the credit bureau.

You can access your CIBIL score and report by filling the score request form on the below given link
https://www.cibil.com/online/credit-score-check.do

This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested copy of your KYC details for verification.

Regards,
Credexpert
http://www.credexpert.in

Reply

rishi May 20, 2015 at 3:16 pm

Hi ,

How to clear name from defaulters list of the bank if the principal amount is paid and loan is settled .

Reply

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