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.
Dear team. I Ravinder singh s/o Bhola Ram. My pan num is FWAPS4001. The instalments of my personal loan are paid..The loan num is PPU01726H..I paid all amount of this loan…now on 15072016 this account is closed…because of this loan my name is in cibil defaulter list….I have a no obsection cirtificate (N.O.C) of this loan…I request you please remove my name from cibil list and increse my cibil score…
with best regards
Ravinder singh
9888781677
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 any cibil score (Private Sector Banks, Public Sector Banks, Foreign Banks, Nationalised Banks). with the very low rate of interest (upto 5%) please call us for further queries immediately
Syed: 9739870082
Email: financialsuccess070@gmail.com
Dear sir
i am get my cibil score information in my e mail
thanks for regurd
kuldip….
We Provide Personal Loans and home loans if the cibil score is above 650 and if there is any issues like updating or improving the cibil score we will update this within 15 to 30 days or immediately and also we will help you to get you the loan within 7 to 10 business days with private like NBFC or nationalized banks who has the interest rate upto 14% with a lead time please call up soon for further queries Syed 9739870082 or email me at financialsuccess070@gmail.com All Over India……………..
Dear team, Im Omprakash gupta My pan num.is ABEPG0621J The gold loan rs.30500/-& rs.288700/-if alredy paid & account closed… because of this loan out stending my name in cibil list….Irequest you please remove my name from cibil list and increse my cibil score…. with best regards Om prakash gupta 9414185554
Dear sir kya mera koi credit loans Ka default me nam hai please send. Thanks
Dear team Im Om prakash Gupta. My Pan numbar is ABEPG 0621J. The my gold loan ara alredy paid for rs.30500/-& rs. 288700/- I paid all amount of this loan now on this accounts is closed because of this loan my name is in cibil I request you please remove my name from cibil list and increse my cibil score…. with best regards om prakash gupta 9414185554
Dear team
I am Pardeep singh. My pan num is FRAPS3688l. The instalments of my personal loan are paid time to time….also credit cards instalment paid on correct time…i was co- borrwer in two wheeler loan..The loan num is PPU01726H..I paid all amount of this loan…now on 15072016 this account is closed…because of this loan my name is in cibil defaulter list…. I request you please remove my name from cibil list and increse my cibil score…
with best regards
Pardeep singh
9814144110
Sir my all loan installment are clear and I want to take a new loan from bank but my civil report is not clere so please submit some points in my report.
With best regards
Sumit Kalal
+91-9783112334
R/sir,
With humble request
I am Sandeep Kumar. My pan card no BHNPK5213Q and I cleared my all bank dues. Bank has given me NOC but my a/c shows in cibil. Please check this issue and make it clear.
With best regards
Sandeep Kumar
9813030269
Plz tell mi how increse my cbil score?
I have know to my civil score
hi due to some reason i was not able to pay my credit card full payment in between i was pay minimum amount of my credit card payment but now i am paying full of my payment with interest so after that is that bank responsibility to remove my name from cibil defaulter list or not if not then what should i do n after that can i take new credit card or not
Plz my pan number BCDPS0066C plz my states
i made my payment clear on 24 august 2015 of rs 498. my credit card no is- 4377484514095754 .
i got NOC from SBI on 12 feb 2016.
please clear my cibil and cibil score.
please reply immeditely. Thank you.
mobile no-8692802522
i have to know my cibil score
WHAT ABOUT MYCREDIT SCORE PLEASE
Hi,
1) If I apply for a cibil report online or offline this will be shared with my banks as well ? ie. even my bank will come to know that I am checking my cibil scores ?
2) I want to know from which year cibil started to keeping records of individuals ?
3) what will happen if that bank or credit card bank/company shutdown ? ex.( barclays bank) reports will be still with cibil ?
Please help me !!!! Thanks
Please give my loan statement to the cibil
Please my loan statement..
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