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.
sir, I want my CBIL score immedietly PAN NO.AADCB1070D
Kindly share us your contact details as we will help you in applying your cibil report and also help you in improving your cibil score. Update the status in 15 to 20 days contact us on asthafinance2326@gmail.com #+919964322326
Plz provide email id of cibil dept
sir
sir my name is Nagaraju R my pan number AFMPN5627D my date of birth 16-07-1982 my father name Rajappa.
my probleum is
same name &same date of birth but father name Raja rao duggapu person in Hdfc bank in taking some personsl loan, and he use credite card this loan & credit card deatiles come in my pan card & cibile report now i apply personal loan it will rejected because they shows unknown deatilea please cleare my cible report only my report
( sir Plz accept my any misteck I dont know perfect english ) i hope u sir
thank you
Hi, great article.
Unfortunately I am a victim of low cibil score and was looking measures to improve it as I also wanted to avail a personal loan to renovate my house. Please suggest me as the banks keep cibil score as the fundamental factor in giving loans
Hi, great article. I read recently that cibil identity theft has become common these days. This scares me a lot, is there a way to avoid them?
Sir mai aapne cibil report se LSS(loss) kaise hatau
Maine icici se eak two wheelar liya tha par bank wo le ke gayi aur mere cibil me full balance bata rahi hai jabki mera 4 emi balance tabhi byk le ke gayi
Mai use hatane ke liye kya karu
You please speak to your bank and ask them for balance amount including interest, penalty, late charges etc.
Once you get the masking amount from bank, please deposit the same into your loan account and thereafter take NOC from bank for PROPER CLOSURE not for SETTLEMENT.
Respected sir my name is Ramu h I had a salaried account in sbm I apply for a personal loan but they have telling your cibil report is not good, you put a surety for a auto loan, some one they were not telling a details of that, how to get the information plss tell me sir.
We provide Personal Loans, Home Loans, Business Loans etc…all over the India, with any issues in Cibil. And if there is any issues in updating or improving the Cibil score we will be able to help you in getting updated, as soon as possible. Also we do help you to get the loans in 2 days, with (Private Sector Banks, Public Sector Banks, Foreign Banks, Nationalised Banks NBA NBFC). with the very low rate of interest (upto 5%) please call us for further queries immediately
Syed: 9739870082
>>>>>>>>>>>>>>>>>>>>>>>>>