How does one access the CIBIL Credit Information Report?

In our last article named "How does CIBIL Score affect Your Creditworthiness.....?" we have given a brief about CIBIL, how it works, who are the members of CIBIL etc. We have received 100s of comments on that article. we are very happy to know that the article had help you in understanding about CIBIL. After reading the article many people approached us with different queries. In this article we are giving you a brief about "How to access your CIBIL Report.

How to access your CIBIL Credit Information Report (CIR)?

Now you can access your CIBIL score through or (CIR) directly from CIBIL. You have to go following link http://www.cibil.com/accesscredit.html & download the request form. Further you have to send the form via following options to CIBIL along with enclosing the necessary documents mentioned below;

E-mail : myreport@cibil.com

Letter: Address

Fax: 022-40789007

Documents required while accessing your CIBIL report

Valid Identity Proof

PAN Card/ Passport/ Voters ID (Mail self attested hard copy of any one of these Identity Proofs)

Valid Address Proof

Bank Account Statement/ Electricity Bill/ Telephone bill (Mail self attested hard copy of any one of these Address Proofs)

Payment terms

Demand Draft (DD) of Rs 142/- (inclusive of all taxes and express delivery charge) in favor of Credit Information Bureau (India) Limited payable at Mumbai.

Your CIBIL CIR will be presented to you in a simple and easy to understand format. However, on receiving your CIBIL CIR, if you require any explanation/clarification, you can email CIBIL at consumerqueries@cibil.com or call them on 022-61404300.

Format of CIBIL Credit Information Request form

Consumer loan repayment history is maintained by their respective banks not by CIBIL. On the basis of report sent by its member banks, CIBIL maintains its CIR. Every time there is default in credit history of borrower it is reported by individual banks from which he has taken loan to the CIBIL. Since person who has taken 2-3 different type of loans from different banks & has defaulted on them than its default report is generated by respective bank but now it is maintained & circulated by CIBIL in its original form on demand of lending institutions when the same individual has gone for seeking new loan.

However in CIR it is mentioned by CIBIL how many Loan A/Cs does the individual maintains & on which loan A/Cs his EMIs are overdue. It should also be noted that CIBIL score is used mainly to check the default in loan repayment history of an individual. To check your regular repayment history, bank use other tools like they ask for No dues certificate for the loan which you have already paid but appearing in your CIBIL report & for current loan repayment history they check it through your current& past six months bank statements.

Evidence: - Go through the sample CIR format provide by CIBIL on its website& check Section is Explanation for summary A/Cs. As for other appraisal criteria if you check documents required for loan on website of any bank you will find it is mentioned there.

Whether CIBIL recognize the unique PAN of a person?
As per the information made available by CIBIL they duly recognized the PAN & Voters id no. of the individual while making consolidated CIR. It is explicitly mentioned in the report

A tenant changes addresses and the bank / FI does not intimate the change of address to CIBIL promptly whereas a default is reported promptly. Ans. It is the duty & responsibility of the respective bank to promptly mentioned the change in address of the customer. CIBIL alone can’t track the change in addresses of the millions of customers.

Is CIBIL Succeed in judge the credit rating or score of a person?

Your default is not mentioned in CIBIL until 180 days has passed since last repayment. This regulation has been brought by RBI to reduce the high NPA & loan defaults posted by Indian banks thus harming the Indian economy in total as it lead to credit crunch. As for the foul play of banks & FIs you can always contact CIBIL through it website & consumer court where it is necessitated by government law to answer your query within 15 days of lodging the complaint.