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.

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

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  10. Hi all,

    My pan number is AZFPN1897A.Can you please tell me how can i increase my cibil score.actually iam in defaulter list. but iam paying everything in time but first time payment of my credit card bill is one day delay thats it my score is now 680.how can i increase it. and iam paying loan emi”s also in time.Please tell .

    Reply

  12. We will purchase a detailed CIBIL report (CIR) on your behalf.
    2. We will be analyze your Credit History & Credit Score.
    3. A detailed plan will be drafted to resolve any discrepancies first i.e., (you might have paid all the dues to the financial institutions and information in CIBIL is wrongly updated. We will fix the errors on your credit report)
    4. Then we will check about the defaults / overdue amount to be paid by you to the financial institutions.
    5. We will first check with you (since when you have defaulted or not paid the amount to the financial institutions)
    6. Then we will check with the bank about the closure amount.
    7. After paying the closure amount to the creditors.
    8. We will get you the closure letter/ No due certificate letter from the bank.
    9. We take the complete responsibility of the documentation for closure.
    10. We also ensure the CIBIL update is done by the bank. And whichever information’s are not updated in the report we will get it updated in the report.
    11. For the score to improve there must be running loan or credit card so we will get you a pre paid card for the score improvement and monitor for the score
    12. After updating all the records in CIBIL, your CIBIL will be cleared & then loans should not get declined
    for further details contact on 9535061366

    Reply

  18. hello sir,
    my pan number CHLPR3791K. my vehicle loan was closed in 2014.pls give my score.how can i improve my score.

    Reply

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