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.

Views: 144775


Get free daily updates in your email:






{ 346 comments… read them below or add one }

sandeep Gopal Mane December 26, 2013 at 8:54 pm

Pls send the detail for Pan- APHPM5915L
Name – sandeep Gopal mane

Reply

Credexpert December 27, 2013 at 10:22 am

Dear Sandeep,

If you wish to obtain your CIBIL report and score, kindly visit the following link and follow the steps given on the page:

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

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

Reply

simanchal January 16, 2014 at 10:20 pm

i have taken loan for my bike for which i have already paid all my loan now still my cibil score is low my pan card no is ALMPB8835H
my loan was from ICICI a/c no LTTNE00013830590
PLEASE help me with information how can i clear my credit rating and have a good cibil score

Reply

Credexpert January 17, 2014 at 7:03 pm

Dear Simanchal,

Your CIBIL score depends on various factors such as your loan payment history, type of credit facilities availed or credit mix, length of credit history, account status, number of enquiries etc.

You need to check these details on your credit report to identify why your score is low. If you pay all your dues on time, keep a good credit mix and have limited enquiries on your report, you will be able to build a good credit score.

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

Reply

KAMAL KHUTIA March 14, 2014 at 11:51 am

HI,
my pan no is AVPPK5668Q and i want to know my cibil report

Reply

Credexpert March 15, 2014 at 10:17 am

Dear Mr. Kamal,

If you wish to obtain your CIBIL report and score, kindly visit the following link and follow the steps given on the page:

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

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

Reply

Leave a Comment

{ 1 trackback }

Previous post:

Next post: