Check Your CIBIL Credit Score & Credit Information Report Online

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.

645 thoughts on “Check Your CIBIL Credit Score & Credit Information Report Online”

  1. 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

  2. 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.

    1. 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.

  3. 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?

  4. 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

    1. 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.

  5. 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.

    1. 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.

  6. 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.

    1. 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.

  7. 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 ?

    1. 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.

  8. Hi…
    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 !

    1. 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 – https://www.cibil.com/online/ManageDisputeDetailsAction.do?action=showDisputePage

      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 – http://www.onemint.com/2012/09/14/cibil-dispute-resolution-process-rectification-of-discrepancies-in-credit-report/

  9. 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.

    regards

    ashok

  10. sir,

    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

  11. 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?

    1. 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!

  12. 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 !

    1. 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:

      http://www.cibil.com/consumer-dispute-resolution
      http://www.cibil.com/faq/dispute-consumer
      https://www.cibil.com/online/file-consumer-dispute.do

      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.

      1. 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.

          1. 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 !

            1. 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.

  13. 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????

    1. 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.

  14. 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?

    1. 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:

      http://www.onemint.com/2012/08/03/cibil-credit-information-report/

      1. 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?

        1. 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.

          1. 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.

            1. 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.

  15. 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

    1. 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.

  16. 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.

    1. 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.

      1. 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!

        1. 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.

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