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.

{ 29 comments… read them below or add one }

Firos Khan April 17, 2013 at 6:09 am

Hi ,

Recently i applied for an Americal Express credit card through my employer . But card application rejected due to poor credit score report from CIBIL.I never had a credit card for almost last 8 years.When i contacted AMEX they told that to contact CIBIL for the information.I tried to contact CIBIL but not able to connect to their support. How i will get the details from CIBIL.

Reply

Shiv Kukreja April 17, 2013 at 9:58 am

Just buy your CIBIL credit report online as explained in the post above, it will have all the details about your credit history and credit score.

Reply

aslam patel April 19, 2013 at 11:15 pm

Dear Sir,

I am having personal loan due to non availability in india my EMI had bounced. Now i m paying in installment next month i will go for final settlement. will my CIBIL record cleared & score will increase. i am able to take any other credit facilities from any bank.

Please advise.

Reply

Shiv Kukreja April 23, 2013 at 2:24 pm

Hi Aslam… I am not able to understand your query, please reframe it.

Reply

Narendra April 20, 2013 at 12:24 pm

Hi Shiv,

before 2 year i have take personal loan from HDFC Bank, I have paid 8 EMI, but due to some financial problem 1 EMI has been bounce from my account. and not able to pay this for 2 month Next month third party say this please pay ur last EMI and current bouncing is not affected your account. as this i have bounce continue 4EMI and paid to last EMI and finally paid continue EMI since last year when i am applying for new personal loan, bank is say ur cibil score is low and not apply for this.

what should i do for improve my cibil score.

please help.

Reply

Shiv Kukreja April 23, 2013 at 2:24 pm

Hi Narendra… I am not able to understand your query, please reframe it.

Reply

sarbjit singh April 20, 2013 at 9:47 pm

sir ja madam pless cibil chu name nikal deo 9815044549

Reply

Shiv Kukreja April 23, 2013 at 2:26 pm

Hi Sarbjit… We cannot do it as we do not have such authority.

Reply

Anand Kumar S May 2, 2013 at 2:44 pm

before 2 year i have take credit card loan from HDFC Bank, I have paid EMI, but due to some financial problem i want personal loan, last month when i am applying for new personal loan, bank is say ur cibil score is low and not apply for this. My contect no 8105761805

what should i do for improve my cibil score.

please help.

Reply

Shiv Kukreja May 4, 2013 at 7:03 pm

Hi Anand… First of all, check your CIBIL score by buying your CIBIL credit report online – https://www.cibil.com/online/credit-score-check.do

Once you have your credit report with you, try to analyse what wrong is there in your report due to which your CIBIL score is low. If there is any default or incorrect reporting by the lender, you should try to pay the balance amount or get it rectified and improve your score. You can also get your report analysed by a financial advisor.

Reply

Ram May 3, 2013 at 1:40 pm

Hi,

My Cibil Reports shows N/A. Am i eligible to apply personal loan?

If not hot to improve my cibil score please advice

Reply

Shiv Kukreja May 4, 2013 at 7:09 pm

Hi Ram… ‘NA’ signifies that you do not have a credit history. So, if your income is healthy and your loan requirement is reasonable, then you should easily get a personal loan.

Reply

Ram May 6, 2013 at 10:46 am

Thanks ..

Reply

ashish May 6, 2013 at 8:27 pm

hi,this is ashish ,working in govt sector as group a emploee.my query is that recently i had applied for a car loan which later was rejected by bank on the basis of cibil report which further was based on the fact that i failed to make repayment of amount spent using credit in the year 2006.but the fact is that at that time i didnt have any credit card and i came to have my own pancard in 2008.plz guide me.thanx

Reply

Shiv Kukreja May 14, 2013 at 11:30 pm

Hi Ashish… You should raise this issue with the lender which had reported non-payment of its due amount in 2006 and try to get your credit history clean. You may approach Banking Ombudsman also if the lender does not do that.

Reply

naresh gupta May 9, 2013 at 6:07 pm

how i check my cibil status and score

Reply

Shiv Kukreja May 14, 2013 at 11:32 pm

Just follow the process mentioned above in the post Naresh and you’ll get both.

Reply

Upender May 14, 2013 at 1:07 pm

Hi, I had applied for personal loan at SBH. Bank said that my Cibil report shows that two credit cards were settled under one time settlement scheme. I do not owe any dues but still the bank had rejected my application pl. guide me.

Reply

Shiv Kukreja May 14, 2013 at 11:50 pm

Hi Upender… you should check your CIBIL report, raise your issue with the lender which has reported outstanding amount in your name and try to get your credit history clean. In case it doesnt help, you may raise a Dispute Resolution request to CIBIL or approach Banking Ombudsman to get the issue resolved.

Reply

ddk sweets and bakery May 22, 2013 at 10:47 am

balas

Reply

ddk sweets and bakery May 22, 2013 at 10:49 am

balance

Reply

Indrani May 24, 2013 at 10:22 am

Hi,
There was some error in my CIBIL report,some wrong entries were there from HDFC bank which after repeated mails they corrected but my credit score hasent increased a bit.Also they made 4 inquiries on my CIBIL report in a span of a week.Since I had applied for a loan but the bank has said that your score hasnt increased due to several inquiries made by HDFC.I want know that does making too many inquiries affects Credit score and if so then up to what extent ,like 4 inquiries are made in a weeks time so my credit score would be reduced.Please clarify?

Reply

Shiv Kukreja May 25, 2013 at 11:48 am

Hi Indrani,
It negatively affects your score, only if your actions indicate that you are “Credit Hungry”. If the same lender is making four inquiries due to some reasons, it does not indicate that you are credit hungry and ideally it should not affect your credit score negatively.

Reply

Vivek May 28, 2013 at 1:05 pm

How long does a Loan A/c details (Fully paid and settled one) stay on CIBIL Report. Because, when I checked my CIBIL, the loan details are from 2003 onwards (almost 10 years). Can I request the same to be deleted.

Reply

Shiv Kukreja May 28, 2013 at 1:55 pm

Hi Vivek,
CIBIL is required to maintain all the accounts, delinquent accounts as well as good standing accounts, for a minimum period of 7 years. I am not 100% sure what is the maximum period for which it maintains these details but I think CIBIL will not remove any details as per your request. CIBIL will do that only if any of the lenders asks it to do so.

Reply

D. sai krishna May 28, 2013 at 9:40 pm

how to remove my name from civil score?

Reply

Shiv Kukreja May 29, 2013 at 9:52 am

If you have taken any loan or credit card, your credit history gets maintained at CIBIL and you cannot get your name & credit history removed/changed from CIBIL records on your own.

Reply

T.K.NATARAJAN June 1, 2013 at 6:40 am

Dear Sir,
I am having LIC HFL loan . Now i m paying the installment regularly through ECS.
I applied my LOAN before 7 months and The First 3months ECS amount of around 2000 was not cleared due to deduction request to Bank from LIC HFL didn’t reach.
LIC HFL asked me to pay the amount of around Rs.2000 along with interest around Rs.200 in its cash counter and paid it and cleared the EMI.
My question is will my Name appear in CIBIL report . If so How to remove it ?…

Please advise.
T.K.Natarajan.

Reply

Shiv Kukreja June 3, 2013 at 11:14 am

Hi,
I’m not sure how it would get reflected in your credit report as it depends on LIC HFL how they have reported it. You should buy your credit report & check how it is showing in the report. If it is negatively affecting your report, then you should ask LIC HFL to correct it. If they dont do that, you can raise Dispute Resolution Request with CIBIL.

Reply

Leave a Comment

Previous post:

Next post: