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

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:

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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{ 565 comments… read them below or add one }

bemoneyaware August 8, 2012 at 10:27 AM

Very useful series. If I write about the credit score this series would surely find a place.


Shiv Kukreja August 8, 2012 at 11:55 AM

Thanks bemoneyaware for these motivational words! It gives a huge boost to a blogger when some other highly talented blogger like you writes these words.


bemoneyaware November 22, 2012 at 11:19 AM

We are writing about Credit Report and your series was of great help. Have referred it in my article
Understanding CIBIL CIR report


Shiv Kukreja November 22, 2012 at 12:27 PM

Thanks bemoneyaware! You know what, I think the way you provide and present information on your website, it is one of the best I have seen so far.


bemoneyaware November 22, 2012 at 1:24 PM

Thanks for encouraging words. I have an advantage I learn from experts like you.


Shiv Kukreja November 22, 2012 at 5:13 PM

You are doing an excellent job and you are being modest – I think it is a deadly combination to be successful !!


Paul August 8, 2012 at 11:19 AM

At least one credit report should be sent to the person per year as in US. Else people will not be aware of the errors and errors will keep on propagating.

When I was telling my friends about credit score and CIBIL, they were like – Its only in US and it is not in India – Remember, these are people who are in 20+ % tax bracket. Awareness should be created about credit scores and sending a free report will bring in mass publicity at very low cost.


Shiv Kukreja August 8, 2012 at 7:00 PM

Hi Paul… I agree with you that they should share the report with people at least once a year free of charges but, at the same time, only with people who have some kind of credit history. There are a lot of factors which differentiates India and the developed economies like US.

First of all, things are yet to become systematic in India like in the west and awareness among people is quite low. People in US have “Social Security Numbers” and there are many other things to get their data at a single click. Here in India, I dont know how many different kinds of cards/numbers/KYCs we need to carry and how useful these things are to get an individual’s data.

Secondly, as compared to US, a very small no. of people in India take loans or live their lives on credits. My guess is out of 100 people, only 1 or 2 people would have a credit history in India. So, I think, issuing credit report to the rest 98-99 people would be a waste of time, money & resources.

Manshu left a comment in the first CIBIL post informing us that only credit report is issued free of charges in US and not the credit score. In India, the cost of getting your CIR only is very nominal i.e. Rs. 154, which is cheaper than a movie ticket, at least in Delhi/NCR. So if somebody really wants to check his/her credit score, spending this much money is not a big deal.


Paul August 31, 2012 at 10:09 AM

Hi Shiv,

My point is to spread awareness credit rating companies should send an individual letter to people with whom they have record.

The people who have credit are also not aware of a credit score – especially even people working in IT/Post Graduates – they seems so detached from all these. They spend on credit cards, never pay back, switch jobs, cut cards without paying up – and finally end up with the worst credit score.

Even banks wont tell(atleast here in south) that there is a credit reporting agency who keeps record of your repayment.

The amount for credit report is peanuts, but who will take the first step. A free report (on first inclusion to credit info records) will help spread the message – We are watching you!


Shiv Kukreja August 31, 2012 at 11:45 AM

Hi Paul… I agree with your point. There are a lot of things which Govt./RBI/Banks/CIBIL need to do with regards to awareness about all these things but I dont know why things move at such a slow speed in India. Policy formation & implementation is such a messy task here in India.

There has been a lot of noise about fresh banking licenses for quite a long time now. A few days back Govt. issued statements that the current economic situation is not encouraging and they dont see any merit in issuing fresh licenses. Instead of taking 100 steps forward, they take 1 step forward and 5 steps backwards.

My suggestion to everybody would be to become financially aware independently, remain clean as far as your credit history is concerned, dont depend on somebody to do something out of the box for you and keep moving. If you remain disciplined then you dont need anybody’s favours. I think RBI is one of the best banking regulator globally and CIBIL and RBI should take initiatives to spread awareness about the same.


Umesh August 8, 2012 at 7:52 PM

Hi Shiv

Thanks for the next part of the series.

Actually I was asking for this information in your previous part of the series. Really you are writing a wonderful series, useful for all those who want to take loan from banks and other financial institutions.

You explained even the minute details required, to apply for the CIBIL credit score. Thanks


Shiv Kukreja August 9, 2012 at 12:22 AM

Thanks Umesh! It feels really good to know that you liked it.

If you actually go for checking your CIBIL score then please do share your overall experience here with us.


SRINIVAS August 16, 2012 at 9:40 PM

Gone through your article. Just checked the CIBIL score paying an amount of Rs.470/-. The Cibil Trans Union score has been mentioned as “823” on a scale of 300 to 900. Howmuch is supposed to be “GOOD”? In some columns in the CIR, DPD(Days past due) has been mentioned as XXX. What is this? Majority of columns DPD is “000”. Can it be elaborated a bit?


Shiv Kukreja August 17, 2012 at 12:08 AM

Hi Srinivas… Your score of 823 out of 900 is a very healthy score. Usually a score of 750 or more is considered a good score. Banks would feel quite comfortable to sanction a loan or issue a credit card with your score.

“DPD or Days Past Due” indicates the no. of days by which a due payment has been delayed after the “due date of payment”. e.g. Due date of payment was August 2nd and it is still unpaid today on August 17th, then DPD is 015.

“000” implies that the payments have been made before the due date of payment in those months. “XXX” implies that information for these months has not been reported by the banks to CIBIL.

To understand your CIR in more detail, please check the previous post:


SRINIVAS August 17, 2012 at 9:57 AM

Thanks SHIV. You are so prompt. Just one more question!! In the CIR under “Employment Information”, “INCOME” AND “INCOME INDICATOR” have been mentioned. Where did this information come from to CIBIL? Is it what we declare at the time of applying for credit cards or loans etc., or the income is taken from TAx returns or any other source?


Shiv Kukreja August 17, 2012 at 10:09 AM

Thanks Srinivas! You may ask as many questions as you like, no problems there.

Income information is provided by the banks to CIBIL as per your income documents like Form 16 or ITR or Salary Slips or as per the info filled by you in the application form.


Sandy November 23, 2012 at 4:00 AM

Very informative article and discussions. Sometimes it happens that a particular credit is no longer outstanding but remains in the cibil data as was in my case. . Who is responsible cibil or the lendor for this type of blunder. This also throws questions on the authenticity of the reports. Any comments.


Shiv Kukreja November 23, 2012 at 12:08 PM

Hi Sandy… Lenders will be responsible for most of such mistakes. CIBIL is just the repository of credit information and credit reports carry only factual information. Human errors happen and cannot be eliminated.


Manshu August 20, 2012 at 8:26 PM

That looks like a pretty fantastic score.


SRINIVAS August 20, 2012 at 11:29 PM

Great. That is good news.


Shakti August 17, 2012 at 2:35 PM

hello,Shiv sir, I had a HDFC credit card which is into settlement now, and when I am applying any other credit card it getting rejected, please help how to check the details and will my CIBIL b updated after paying the settle ment amount????


Shiv Kukreja August 17, 2012 at 7:35 PM

Hi Shakti, please dont address me as Shiv sir, I’m a common man like you only.

Yes it is highly likely that your application for a new credit card is getting rejected due to your past settlement row with the HDFC Bank. You can get access to your Credit Information Report and CIBIL Credit Score by following the above mentioned process. Applying online, you’ll get your CIR within 2-4 days in which you’ll get all the details about your credit history.

Also, once you pay off the settlement amount to the HDFC Bank it’ll get updated with CIBIL within 30-60 days. My advice to you is don’t go for a partial settlement with the bank. A partial settlement will leave a negative impact on your credit score, either pay it off completely or if you think your stand is right, then approach banking ombudsman against the bank for a clean settlement.


Sachin August 25, 2012 at 12:16 PM

Please help me with my score.
PAN number is BBUPS8526F


Shiv Kukreja August 26, 2012 at 1:03 AM

Hi Sachin… This is not how you are going to get your CIBIL Credit Score. Please read the full post above and follow the process to get your score. You can check the instructions from this link also:


R Srinivas August 28, 2012 at 5:51 PM

Hello Shiv,

Good information that you are sharing with everybody.

I have taken the CIR Report online and see that I have some settlements which were done 2-3 years back. I have all the letters provided by the Banks. They were around 5 Credit Cards and 1 PL. Due to some issues, I could not pay on time. But I have cleared all of them and have been provided with Settlement letters and in some has been mentioned that it will be updated in CIBIL report in 45-60 days. But it has already past 1 year and nothing has happened. Now if I apply for a loan it is getting rejected.

Could you please guide me how I can get my name cleared in CIBIL. I have been maintaining my bank accounts very well and my 2-wheeler loans as well. I assume that the score need for a Loan is above 750. Is that Correct.

Also can I contact Bank Ombudsman. Will they be able to clear my Name ?

Thanks !


Shiv Kukreja August 28, 2012 at 7:35 PM

Hi… If you got your loans “settled” then it might have resulted in a negative score for you. But if you think your stand was right most of the times, then I think you need not approach the ombudsman as of now. Please check these links:

Just fill & submit the “Online Dispute Form” and relax for the next 30 days. CIBIL will do its work and get back to you in some time. Though very unlikely, in case CIBIL is not able to resolve your dispute, you can consider approaching the respective banks and/or taking further action. Approaching the ombudsman should be the last thing in your list of actions.


R Srinivas August 28, 2012 at 10:20 PM

Thank You for the Quick Response. Let me give it a try through the links that you have provided. Hope everything works out fine. Thanks once again.


Shiv Kukreja August 28, 2012 at 11:13 PM

You are most welcome! I hope it works for you, thanks!


R Srinivas October 4, 2012 at 8:56 PM

Hello Shiv,

I have received my CIBIL score and it is 819. However, I am still not receiving any Loans. I had applied for a loan and it was rejected.

I think the score is good but I still see that for some Credit cards it is mentioned as settled or WO and that is the reason that I am not getting any loans.

Anything that I can do to get this corrected.

Thanks !


Shiv Kukreja October 6, 2012 at 1:49 PM

Hi Srinivas… WO is “Written-Off”. Both Settled and Written-Off are considered as the negative factors in your loan approval. Contact the lender, show your report to the lender and get it rectified in your report. If the demand is genuine, then try to pay it off and get the report updated.


Paul August 31, 2012 at 10:16 AM

Hi Shiv,
Suppose I have a credit card with Rs. 1 lakh credit limit.

Case 1 : –
I spend Rs. 30K on the card. The billing date is 15th of the month. I repaid the entire amount on 14th and the billed amount to me is Rs.0/-
Case 2:-
I spend Rs.30K on card. The bill was generated for same amount on 15th with payment due date of 30th. Repaid full amount on 30th.
Case 3:-
Not using a credit card you own(Missing convenience,cash rolling and interest earned-though meager)

Which is the best way to improve credit credit score? Case 1, case 2 or case 3.
Also is Case 1 and 2 looks same when it comes to credit scores?


Shiv Kukreja August 31, 2012 at 12:51 PM

Hi Paul… I dont know the deep scientific process of CIBIL score as far as case 1 & case 2 are concerned but to me both look very similar and logically should enhance your score with a positive bias towards case 1 i.e. paying your bill well before the last due date.

Case 3 is a bit unique thing. Not using it at all should not improve your score ideally as they would think the card might have been destroyed by you or you have forgotten about it after keeping it in your locker. But using it very very occasionally and paying it well on time should improve your score in a very healthy manner. I hope it makes sense to you what I want to say!


Paul August 31, 2012 at 1:06 PM

Thanks Shiv


Shiv Kukreja August 31, 2012 at 1:08 PM

You are welcome Paul!


srinivas September 26, 2012 at 4:59 PM


I have settled my credit card payment twoyears back,recently i have applied for ICICI credit card, which was rejected due to CIBIL rating. How can i know my CIBIL rating now.

pls help


Shiv Kukreja September 27, 2012 at 10:24 AM

Hi srinivas… You can check your CIBIL credit score & the settlement details of your previous credit card by applying for Credit Information Report (CIR) online –


Ashok September 26, 2012 at 5:48 PM

Hi Shiv.
greetings of the day
there are 3 loan cases of house hold items from bajaj finance and I have the NOC and one credit card of HDFC which I settled in 2007. How can I convert my bad CIBIL report to good one.




Shiv Kukreja September 27, 2012 at 10:33 AM

Hi Ashok… If you ‘settled’ your credit card balance payment in 2007 and there was still some demand from HDFC which they had written-off at the time of settlement, then you can improve your score by paying that balance amount.

Please go through this post to check how you can improve your score –


Amit Mohanty October 2, 2012 at 12:25 PM

Its an wonderful post !
I recently checked my CIBIL report and I have few questions regarding it …

1. I had taken an education loan in 2005 from SBI and closed it in june,2010.I have the closure document as well but in the report the status does not show closed.

2. My income is very wrongly quoted in the report.They have forgotten to add a zero :)

My score has become below 700.I have no default history.I have never made a single late payment and my credit cards are almost unused.

Do you think the above 2 points have led to the problem?

What am I supposed to do ?Once corrected how will it take to improve my score.

Thanks !


Shiv Kukreja October 3, 2012 at 1:14 AM

Hi Amit… Yes, it is very much possible that these two points are negatively impacting your credit score. I think you should make a Dispute Resolution Request to CIBIL for the same –

It takes 30 days for CIBIL and the respective lender(s) to process this request. Once corrected, it should take 45-60 days for your CIBIL report to get updated.

Please check this post for more info about it –


Tadikonda October 5, 2012 at 1:56 PM

Hi Shiv, I have taken a CBIL Report by paying Rs.154 (approx) about 2 yrs back. Report did not mention the score. When i tried calling CBIL office. they mention i should contact Bank for the score details. Is it true ? Is there any other way to know my score ?


Shiv Kukreja October 6, 2012 at 1:33 PM

Hi Tadikonda… There are 2 versions of CIBIL Credit Information Report (CIR) – one with CIBIL credit score and the other one, without it. With score, it is charged Rs. 470 as of now and without score it is Rs. 154. If you want to check your score, go for the one which costs Rs. 470. No bank would be able to provide you this report.


JYOTI October 7, 2012 at 11:04 PM

MY CIBIL Score is 565. I Had 3 crdit cards out of which I had made Full payment for the credit card from HDFC and ICICI but still the Bank has shown my report as settled in CIBIL. I had not made any partial payment. How Can i get the same rectified. Also the 3rd credit card belongs to CITI BANK which I have never taken from them but still they have shared the same under my name as Written off. Now I am unable to get any Loan or credit card from other Banks as all are getting rejected . Please help as to how can i get my CIBIl score improved.


Shiv Kukreja October 8, 2012 at 11:26 AM

Hi Jyoti… To save your time, you should approach CIBIL first with your Dispute Resolution Request. Check out this post to know how you could do that.

If it fails to resolve your dispute, then I think you need to contact/approach all the 3 banks and make sure their demands are unjustified. Check with HDFC and ICICI why they have qualified your account as ‘Settled’ despite making full payment against the charges.

Check with Citi the details of the credit card and at which all locations the credit card got used, if at all. If all this fails to resolve your problems, you can still approach the banking ombudsman.


Shiv Kukreja October 8, 2012 at 1:47 PM
ravikanth October 10, 2012 at 3:37 PM

how can i check my credit score and any outstanding online


Shiv Kukreja October 10, 2012 at 7:59 PM

Hi Ravikanth… Just read the post above or visit and follow the instructions.


flower October 12, 2012 at 9:28 AM

Hi Shiv,

I had personal loan from icici bank and paid all the payment and CURRENT BALANCE -ZERO now.

My payment history in the cibil report starts from 09-2008 to 08 -2011 (36 months). In between these 36 months I have DPD as 025 for 6 months. Will this dpd will be removed from my report in future? How it will be removed since I have already paid the full amount and there is notthing to pay and remove this dpd from my report.

my current score is 834 but when i applied for another personal loan in dec 2011, it was rejected at 2 banks. I thought anything above 750+ score is good for banks to approve. I still don’t understand the reason for rejection.

Pls advise.


Shiv Kukreja October 12, 2012 at 6:26 PM

Hi flower… CIBIL is a safekeeper of your info and is required to maintain all the records in its exisiting form for a minimum period of 7 years. DPD (Days Past Due) of 025 (25 days) is a factual information and though you have fully paid your personal loan now, it will remain there in your report for the next 7 years. CIBIL does not remove these details, even if you desire so.

But, 834 is a good score and there could be some other reasons also for the banks’ rejection of your loan application. Did you check it with the banks their reason for the loan rejection? If they tell you it is due to your negative CIBIL report then I think it is due to your late payments on the 6 or more occasions out of those 36 months.


bharat sisodia October 16, 2012 at 6:08 PM

hello maine hsbc ka credit card liya tha uska sattelment aadhe bill me karke payment de diya tha abhi maine dusre card ke liye apply kiya to reject ho gaya to kya karna chahiye pls bataye thank you


Shiv Kukreja October 17, 2012 at 12:41 PM

Hi Bharat… Settlement aapke CIBIL score ko negatively affect karta hai. Apne score ko improve karne ke liye aapko HSBC card ka remaining payment karna hoga ya phir ombudsman mein appeal karni hogi. Uske baad bhi koi guarantee nahin hai ki aapko doosra credit card issue ho jaayega. But at least aapki credit history thodi clean ho jaayegi.


Patel October 18, 2012 at 4:06 PM

Hi Shiv,
I have settled 3 credit cards for some amount with bank(Not paid total amount).that is the only negetinve thing to my credit history as of now rest all transactions are good.
Now I am planning to go for Home Loan,Does that settlement effect my Home loan approval?


Shiv Kukreja October 19, 2012 at 12:21 AM

Hi Patel… Normally it should but then it might not, depending on some other factors.


suresh October 25, 2012 at 12:49 AM

how much minimum score i should have to get home loan. which bank would be eassy to get home loan if the score is less.


Shiv Kukreja October 25, 2012 at 12:45 PM

Hi Suresh… Both of your queries are difficult to answer. There is no fixed criteria defined as such as far as your minimum credit score is concerned. A score of 750+ is concerned good but it is no way a guarantee to get a home loan or any other loan. Also, your credit score is not the only deciding factor for the banks to sanction you a loan. There are other factors also like your income, the income-expense ratio, the loan to value ratio, the tenure of the loan etc.

All the banks have their own parameters and policies to sanction a loan and it is not possible for us to analyse which bank has soft policies towards a low score applicant.


prem rout October 25, 2012 at 3:35 PM

Hi Shiv

Thanks a lot for the information. I have registered online and paid Rs.470 in the cibil website. But due to some wrong input I couldn’t receive the details instantly,however I am awaiting the same to reach me by post and i wish to share the same with everyone of how can i clear all my issues with cibil.

Thanks Again for the info


Shiv Kukreja October 25, 2012 at 6:17 PM

You are welcome!


eravi October 26, 2012 at 5:52 PM

our cibil report


Paul October 29, 2012 at 12:26 PM

Dear Shiv,

I went through most of the above posts and they are very informative. I am in the process of of a home loan application and awaiting my CIBIL report.

I have a good credit record for last 3.5 years with no negatives as far as I can think. However, I had personal loan payment delays and late fees on credit cards during 2005 to 2007. I have paid all the outstanding dues in full during the closure period and should not have any current outstanding other than a well maintained credit card.

While I am yet to receive my credit scores, do you think my poor records during 2005 – 2007 can influence againt this loan approval even though I had settled dues during 2008 and have been maintaining all transactions very well since last 3.5 years.

I had also applied for another credit card a year ago from another bank and had received the same as well (Well maintained too)

Also, even if I get a decent credit score of 700 +, do you also think other factors like an excellent monthly income with no other loans and minimal expenses would contribute towards approval/rejection of home loan application?

While I wait for the report and loan application status, do you think if there is anything else I could do right now (contact bank to validate or apply home loans at multiple banks at the same time)



Shiv Kukreja October 29, 2012 at 8:32 PM

Thanks Paul!

It is very difficult for me to forecast whether you’ll be able to get a home loan or not based on the info provided. Even if one’s credit score comes out to be an excellent one, it is difficult to tell a borrower if he/she meets the lenders’ eligibilty criteria.

“an excellent monthly income with no other loans and minimal expenses” would definitely serve in your favour and increase your chances of getting a loan. This one I’m sure of.

There is nothing you can do to improve your score or eligibility in a very short period of time. But, if you find any discrepancy in your credit report, you can definitely raise a Dispute Request online to get the discrepancy corrected and thereby improve your score and chances to get the loan with ease.


dhanu November 2, 2012 at 6:24 PM

Hi Shiv,

Great Info.
I have two credit cards. In those there was outstanding amount to pay. Due to my financial reasons I have not paid the amount. I have not paid the amount since last 3 years.
I am planning to pay the amount now.
1) If I clear the amount for the both the credit cards now, will it be possilbe to increase my credit score ? If yes how much time it will take?
Some of my friends told me that if we clear the outstanding also there is no use. credit score wil not be increased.
Kindly let me know.


Shiv Kukreja November 3, 2012 at 2:06 PM

Thanks Dhanu!… To err is human, but to repeat the mistake or not to improve on it is foolish. If you feel that you did a mistake earlier, then it is better to get rid of its shadow as soon as possible. Even if your friends are right and it does not improve your score immediately, I would suggest you to take the right path and pay off the whole balance as soon as possible. I do not want to guess the time but sooner or later it will help you to improve your credit history.


venkateswaran November 2, 2012 at 8:26 PM

How can i get free cibil score
thanks and regards


Shiv Kukreja November 3, 2012 at 2:08 PM

I have no idea, sorry.


Madhu M November 3, 2012 at 9:53 PM

Hi Shiv,

I took education loan from Andhra Bank for 44,000 and with interests the amount is very huge now.
Bank is offering me OTS (One Time Settlement) reducing the amount now.

But am worried about my cibil score, will OTS mess my cibil score.
Please guide me, what shall i do..?
Shall i Pay the complete amount.. ??


Shiv Kukreja November 4, 2012 at 12:57 PM

Hi Madhu… Ideally you should pay off whole of the outstanding balance.


Sona November 4, 2012 at 3:00 PM

Hi… just wanted to check if the home loan balance also appear in the CIBIL record… I cd not able to find the same…but I could see the enquiry details by bankers which they did before disbursing the amount.



Shiv Kukreja November 4, 2012 at 9:32 PM

Hi Sona,

Yes, the “current outstanding balances” appear in your credit report.


Faez November 4, 2012 at 8:08 PM

Good Job Shiv and your support in this blog.
I haven’t availed any loans from any of the lenders so far. What will be my credit score and CIBIL report.

Thanks and regards,



Shiv Kukreja November 5, 2012 at 11:03 AM

Thanks Faez,
An applicant gets a score of -1 (historically NH) when he/she does not have a credit history.


LAD SHIVAJI LAXMAN November 6, 2012 at 1:59 PM

credit report


Prabhu V November 8, 2012 at 3:18 PM


Iam prabhu. i have got an offer from HDFC bank for pre-approve loan of Rs. 67000.

Banker agent has informed collected all my documents.

After 3 days they are saying. some of the credit card payment has been delayed by you.

But iam not using credit card. My loan number is 22829694.


Shiv Kukreja November 9, 2012 at 1:17 PM

Hi Prabhu… Please buy your CIBIL credit report online following the above mentioned process and you can check it yourself.


Faez November 10, 2012 at 4:54 PM

Hi Shivji,
Once again- how can i get my CIR online from cibil website? they are asking for my pancard number which i dont have one so far. I am an NRI.
Once again thanking you for this blog…



Shiv Kukreja November 11, 2012 at 12:48 AM

Thanks Faez!
PAN card is not mandatory to get your credit report. It is just a “recommended identity proof”. As you do not have the PAN card, you have the option of filling the identification number of your Passport or Voters ID or Driver’s License.


Faez November 11, 2012 at 1:09 AM

Thanks Shivji,
Your quick, prompt and professional reply posts are really appreciated.
I tried logging my application for the CIR in CIBIL website, though I gave complete information including my PP and whatsoever necessary it appears to be not getting thru.
Could you please help me on this?


Shiv Kukreja November 11, 2012 at 1:18 AM

Sorry, I wont be able to help you in that case. I am not sure where exactly the problem lies. I think you need to contact the CIBIL customer care.


Mohd November 11, 2012 at 3:14 PM

Dear sir,
cibil impect bad is mobil bil paying with late fee.
But it’s not regular few month bcs m not aware late fee charge and m apply a credit card is reject si please help is possible and m also hold another two banks credit cards.


Shiv Kukreja November 12, 2012 at 1:27 PM

Hi Mohd… Sorry I’m not able to understand your query.


Mohd November 12, 2012 at 8:06 PM

m sorry I just want is possible my some mobile postpaid bill paying regular but with late fee so that impact my cibil score or I have already another 2 bank card and one personal loan and recantly m apply another bank credit card n reject those people said my cibil is negative.


Shiv Kukreja November 12, 2012 at 8:13 PM

Dear Mohd… Main aapki query samajh nahin pa raha hoon, aap Hindi mein apni query pooch sakte hain. Ya aap +91-9811797407 pe call kar sakte hain.


skanthp November 14, 2012 at 2:04 AM

My CIBIL Score is 829. Only 1 CC is in Settled status. I have already approached the bank people to close the same. It is 717 INR due. will close the same in 2days n will get a NOC also.
One CC card got closed in 2010 year but there are few DBT/SUB under DPD section for the 2008 year. Even after that i got a credit card by showing NOC. Now i am maintaining all my credit cards very well. Score is also 829.
Now i am going for LIC home loa,.. Is there any chance of Loan rejection bcoz of the DPD with DBT/SUB for the year of 2008???/


Shiv Kukreja November 15, 2012 at 12:42 AM

Hi skahthp… 829 is a very good score and Rs. 717 for a settled credit card account is too small an amount for your loan application to get rejected. But, a few DBT/SUB in your report can play spoilsport and might make LIC HL team to scrutinize your case.

Apart from your credit score, final sanction is dependent on many other factors, primarily being the loan to value ratio and EMI to income ratio. I personally think that you should get the loan sanctioned based on the info you have provided here.


skanthp November 15, 2012 at 12:50 AM

Thanks a lot Shiv.
I called to the SCB bank people, 1st time they told like the card is in inactive status(closed in 2006) they were unable to see any dues, they checked from back end team and confirmed it 717 due bcoz of some charges and all. When i called 2nd time they were saying there is NO DUE…and no need to pay anything and they asked to send a mail to with my full details they are ready to provide NOC with in a week (i am staying out side india so they were ready to send a mail).

Now my question here , Is there any chance of loan rejection after having all theses NOC and one closed account long back with DBT/SUB/STD status.????
Thanks in Advance.


Shiv Kukreja November 15, 2012 at 1:15 AM

It is good to know that you have SCB’s green light now! But, nobody can tell you the probability of loan rejection with perfect accuracy. So, I think the chance of loan rejection is still there but with a very low probability. Analysing your credit report would have given me more scope to solve your query.


skanthp November 15, 2012 at 1:35 AM

Please send me a test mail to….


Shiv Kukreja November 15, 2012 at 11:39 AM

I’ve replied to your mail, please check.


skanthp November 15, 2012 at 2:07 AM

Please find the below my understanding. Correct me if i am wrong……
1). DPD will never change for the closed Accounts.
2). DPD will display “Date of Closed” to “Date of Opened/Disbursed” (up 36months only) for the closed accounts. Ex: Card exist from 2006 to 2008. Then DPD will display for the same period only. if there are anyDBT/SUB/STD it will remain the same and will never change bcoz the account got closed.
3). DPD will display Date reported or Certified to Date of Opened (for 36 months only) if the Account is in Active /Open status.

if i am correct in the above scenarios……Less Chances of getting Home loan for the 2nd scenario because the DPD will never change.
3rd Scenario is fine because as going months also will change so DPD will also moved.
Is there any solution ofr 2nd scenario folks?
Please correct me if i am wrong.


Shiv Kukreja November 15, 2012 at 11:00 AM

Your credit report has factual information as reported by the respective lenders. So, facts and actual information will never change. Only misreporting by the lender or human error can cause something which is not factual.

For the closed accounts, you cannot get the DPD changed from DBT/SUB/STD to ‘000’, unless they were wrongly reported due to human errors.

Also, if your payment history is improving, then your credit history improves. But again, it cannot change the past records and the lenders go through the whole of your credit history.


Mohd November 14, 2012 at 10:04 AM

Sir main ye janana chahta hu Kya cibil me score postpaid mobile bil ko late payment k sath dene se nagative ho jata hai


Shiv Kukreja November 15, 2012 at 12:44 AM

Nahin Mohd, abhi tak aisa nahin hota.


Gautam November 14, 2012 at 5:56 PM

Hi Shiv,

I have been working out of India after finishing my education abroad. I came back 6 months back after getting an opportunity here. I started applying for credit card from last month back and all of them have rejected me. The last application for which I got rejected finally let me know that the reason was a low CIBIL score. Could you suggest how can I raise my CIBIL score considering I have no credit cards and none of the banks are issuing it to me?


Shiv Kukreja November 15, 2012 at 11:10 AM

Hi Gautam,
Please go through this post and probably then we can discuss your further queries:


Mohd November 15, 2012 at 10:40 AM

Thnx sir,
I have one more q.-
Maine last mnth SCB credit card apply kiya wo reject ho Gaya reason puchha to bataya cibil ki wajah se hua usase pahle HSBC ka apply kiya wo bho reject ho Gaya reason cibil me problem hai but I have already 2 another bank card and 1 personal loan is regular last 2 years CC also regular aur due date se pahle pay kar deta ho pls help kya main bank k against complaint Karu ya mere unscure product hai is wajah se cibil score kam ho Gaya hoga aur Kya main PL close kar do to wo normal ho jayega please sugest me.


Shiv Kukreja November 15, 2012 at 11:35 AM

Hi Mohd,

Aap ke paas valid reasons hone chahiye for your complaint against HSBC and SCB for their rejections. Mujhe nahin lagta ki aise valid reasons aap ke paas hain. Ye companies credit card business mein hain and definitely wo bhi apna business grow karna chahte hain. In companies ke paas valid reason honge aap ka case reject karne ke.

You are right, unsecured loans se bhi aapka case weak ho jaata hai. Mere liye ye batana possible nahin hai ki PL close karne se aapki application approve ho jaayegi but bank ka risk definitely thoda kam ho jaayega.


Mohd November 15, 2012 at 4:54 PM

Ok thanks sir


Shiv Kukreja November 15, 2012 at 4:56 PM

You are welcome Mohd!


Ashok November 17, 2012 at 1:07 PM

I got my CIBIL score yesterday. A healthy score of 829 !! Thanks for this article, since I did not know that we could apply online.

In my CIBIL report, they have not considered my home loan ( taken from Union Bank of India) at all. Probably public sector banks are not part of the members who are reporting.


Shiv Kukreja November 17, 2012 at 6:56 PM

No, it is not like that. Many public sector banks are even shareholders in CIBIL and I think all of the banks share their data with CIBIL. Your loan is probably quite older. Union Bank of India (UBI) holds 5% stake in CIBIL. Please check the shareholding pattern of CIBIL from this link:

Your credit score of 829 is indeed very healthy!


Ashok November 17, 2012 at 10:22 PM

Hello Shiv,

My home loan ( fully paid-up and closed recently ) is much more recent than some of the credit cards that were listed on the report. Back in the good old days of 2004-05 when getting a credit card was easier and a fad, I had three credit cards and all are listed in the report. Thankfully, I got out of that habit and closed all the credit cards successfully and maintaining only one for the past 7 years.


Shiv Kukreja November 17, 2012 at 11:11 PM

Hello Mr. Ashok… What you are following is the ideal way to keep your credit history clean and that is showing in your credit score of 829. Also, I think UBI has not reported your home loan history to CIBIL, probably that is why it is not showing in your report.


Atanu Saha November 20, 2012 at 6:38 PM

I applied for a SBI home loan and they reported that there is a write off of Rs 3245 against some credit card taken in 2003. So, I purchased the CIBIL report. I had a horrible score of 647 only. Below is my credit history.

1. ABN Amro card: Write off Rs3245
2. SCB card: No outstanding
3. ICICI bank card: negative outstanding of Rs 700. It means I paid the bank Rs 700 more
4. ICICI bank home loan: Currently running and never an outstanding
5. Axis Auto loan: closed
6. SCB auto loan: closed
7. HDFC Credit card: up and running fine.

However there are some huge enquiry made:
1. HSBC home loan: 35 lakhs
2. BOB home loan: 30 lakhs
3. Now the SBI home loan: 10 lakhs (under processing in SBI)

My query is
1. why is my score so abnormally low
2. is there anything I can do to make is closer to 750



Shiv Kukreja November 20, 2012 at 9:13 PM

Hi Atanu… As you can see it yourself, there is nothing wrong in your credit report except the ABN credit card write-off. If you think it should not be there in your report, you can approach ABN to get it removed. You can visit this link to check the ways to improve your score otherwise:


v. prahlada Rao November 22, 2012 at 11:56 AM

Kindly send me my credit score eljibility


Shiv Kukreja November 22, 2012 at 6:41 PM

You need to follow the above explained process and buy your CIBIL Credit Information Report.


v. prahlada Rao November 22, 2012 at 11:57 AM

please send me my credit eljibility


saket mishra November 24, 2012 at 11:08 PM

Hello Shiv,
My recent (November 12) CIBIl transunion score totals to 818, but unfortunately have 150 as DPD’s showing up for old personal loan. This loan was closed about two years back.
Have applied for a personal loan at Fullerton India, after all formalities being done the case has stuck up because of old DPD’s.
What can i do or say to support my conversation with them, so that the case gets through?
Please advice.
I look forward to hearing from you.


Shiv Kukreja November 26, 2012 at 8:55 PM

Hello Saket… CIBIL credit report shows the factual information and you cannot get it changed until it is due to some human error. If there is something genuine in the report, then only the lender will be able to let you know what all you need to do to get the loan sanctioned.


Sapna December 6, 2012 at 4:02 AM

Hello Shiv,
Thank you for providing very useful information.

I have a SBI credit card which went over limit because an amount swiped using this card was supposed to be converted to EMI but that did not happen due to a technical problem at merchant’s side. Although not my mistake, but I guess this must have effected my CIBIL score. I have paid all the debt and I have no dues on the credit card now. I have now explained the situation to the bank and they said that the CIBIL status has been correctly updated for my SBI card account. Does this mean my CIBIL score would also be updated/Increased?


Shiv Kukreja December 6, 2012 at 1:33 PM

Hi Sapna… Yes, your score should get corrected now. Still, you should buy your report after sometime to confirm that it has been correctly reported by SBI to CIBIL.


Sapna December 6, 2012 at 9:26 PM

Thank you for the reply Shiv.
The bank informed me regarding the updated CIBIL status just a couple of days back.
When should I buy the CIBIL report so that it gets updated.



Shiv Kukreja December 6, 2012 at 11:28 PM

I think you should wait for around 45-60 days more to apply for your report.


ravi December 7, 2012 at 9:55 AM

My creditcard application got rejected recently saying i have a bad cibil score. I want to take a personal loan by my employer’s source. Sbi has tie ups with my employer and amount ll b deducted from my salary each month.
Am i eligible for this loan or they ll reject the appln due to low cibil score?


Shiv Kukreja December 8, 2012 at 1:01 AM

Hi Ravi… I am not sure about it. It depends on SBI as the lender whether they feel comfortable extending personal loan to you or not. I think you might get a little advantage because of bank’s tie up with your employer but ultimately it is your financial profile and bank’s discretion which matter.

You should put this query directly to CIBIL on this link –


ravi December 8, 2012 at 9:33 AM

Thanks Shiv,
Going to apply on monday.
Let’s see.


Shiv Kukreja December 8, 2012 at 12:05 PM

Great, I wish you good luck !!


ravi December 12, 2012 at 4:04 PM

Hello Shiv,
My loan application is rejected today saying low cibil score.
Reason: cibil score is below 600 and i have 1 creditcard shows as settled and another settled(WO). What measures shall i follow now to get a loan?


Shiv Kukreja December 13, 2012 at 1:49 PM

Hi Ravi… You should try to improve your credit score by paying off the older dues.


ravi December 14, 2012 at 9:29 AM

Hello Shiv,
I need to follow up with Settled or post settled(wo) credit card.?
I am unable to understand. Please help me on this regard.


Shiv Kukreja December 14, 2012 at 1:30 PM

I think you should try to pay off outstanding balance against both the cards. It will improve your score.


Prasad December 7, 2012 at 2:05 PM

Hi Shiv,
Just want to know the difference between Rs. 154 and Rs. 470 plans for getting CIR….
Is it something like if I pay 470 then I can get one user id and password using which I can check the CIR at any given point of time and with Rs. 154 I will only receive CIR only once.
Is it so?
Please clarify.



Shiv Kukreja December 8, 2012 at 1:06 AM

Hi Prasad… With Rs. 154, you will get only your CIBIL report but not your credit score. To get your credit score also, you will have to pay Rs. 470.


Yash December 11, 2012 at 7:28 PM

Need to have the user ID for business purpose. Please let me know how we can get that.



Shiv Kukreja December 13, 2012 at 1:21 PM

Hi Yash… which user ID you are talking about ??


Naveen December 12, 2012 at 5:10 PM

Hi Shiv,

I don’t need any load or Credit card that means I am not interested to check my Credit Score but I want to check whether my Credit history is clear or not? are there any obstacle’s in the history?
So what I need to do, shall I need to pay Rs. 470 get credit score? will this Score sheets include all the details?

Thanks in advance,


Shiv Kukreja December 13, 2012 at 1:46 PM

Hi Naveen… Your CIBIL Credit Information Report (CIR) without Credit Score will cost you Rs. 154. It has all the details except your credit score. But you cannot buy it online. You’ll have to send your application/documents through post/courier and it will take some time to reach you.


Suresh J December 15, 2012 at 10:55 AM

Hi Shiv,

Nice to see all the replies you have given for most of the queries.

I have some amt to be settled for 2 -3 credit cards. It was around Rs. 15,000 and Rs. 10,000. Four years has crossed I guessed it would be increased to huge amount with interest. If I go for settlement, do I have to make whole amt with interest or only the usage amount.
Also, If I apply online for the CIBIL report will my details be informed to the concerned bank.

Please clarify.



Shiv Kukreja December 16, 2012 at 1:56 PM

Hi Suresh… Only the bank(s) would be able to tell you the payable amount if you decide to go for the settlement. Your details are reported by the concerned bank itself to CIBIL and if they already have all the details with them, then how does it matter if the details are reported back to the concerned bank by CIBIL?


babji December 18, 2012 at 5:53 PM

Is 600 score good for home loan


Shiv Kukreja December 18, 2012 at 6:37 PM

Hi babji… Though it is not a good score but still it depends on the lender and the “loan-to-value ratio”.


bhaskarrao December 20, 2012 at 4:54 PM

cibil information


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