What Is CIBIL Report? How To Check Credit Report Online

CIBIL Report

Bank and other financial institutions check the CIBIL Report before the processing of any loan or credit application. Do you know, What Is CIBIL Report? Get the answer here!! Credit Information Report is a major document which helps any potential lending institution to get idea of your credit history and processing of loan or credit application. Now a major question which is mostly come in mind of the individuals which is How To Check Credit Report Online? Who issues Credit Rating Or Credit Score, CIBIL Report.

Under federal law, you are unconstrained to get a copy of your credit report annually from all three credit reporting agencies like Experian, Equifax and TransUnion apart from the CIBIL. To obtain your CIBIL Report online, and by phone or mail, you can visit to the www.AnnualCreditReport.com also. As to check CIBIL Report frequently can assist you to make good financial decisions and detect signs of identity theft early.

What Is CIBIL Report?

The Credit Information Bureau India Limited (CIBIL) TransUnion Score is a summary of the customer’s credit history which is available in three digit number. On the basis of acquire details in customer’s CIR, CIBIL Score is generated. Credit Information Bureau India Limited Report contains entire details related to the history of credit payment of the customers across various loans and also institutions over a period of time. There is no description of loans, fixed deposits or other investments of the customers in CIBIL Report.

How Many Types of Credit Reports are Available?

Credit Information Report is available for individuals and it holds credit history and a statistically derived figure which is known as Credit Rating Or Credit Score. Major attributes of a credit information report are listed below, so have a glance!!

#1.Payment History

Individuals can check the credit repayment history of past 3 months including loans or credit card payments with the help of this section. DPD (Days Past Due) shows the number of days by which you delayed a payment.

#2.Current Outstanding Balance

With the help of Current Outstanding Balance, you can acknowledge details of current credit due to be repaid. It shows your actual position in terms of EMI payments, and if you can avail more credit or not.


This section shows the credit score in the recent past and you are noted that a high number of enquiries are a red flag. Latent lenders may view it as desperation for credit, also possibly because you were not a suitable candidate and had to approach multiple lenders.

#4.New Credit Facilities

New Credit Facilities shows your see recent credit sanctions in your name.

Why CIBIL Credit Report Is Important?

Customers must have knowledge of CIBIL Credit Report as it contains all the details pertaining to your borrowing history and its repayment discipline. We are providing importance of CIBIL Report in following points, so have a look please!!!

  • CIBIL Report includes past and present credit history.
  • On the basis of CIBIL Report, Banks and FI’s allow loan to a borrower.
  • With the help of Good CIBIL Score, customer’s loans get approved
  • To analyze the CIBIL Report, you can indoctrinate financial discipline.
  • It is helpful for borrowers to avoid the debt trap.
  • To analyze the CIBIL Report, You can stay away from extreme financial leverage.

How To Check CIBIL Report Online?

Individuals can check their CIBIL Report online by following below mentioned hassle free steps!!

Step1: Visit to the CIBIL’s Official Website firstly.

Step2: Afterwards hit the appropriate link To Check CIBIL Report Online.

Step3: Now enter the required details like name, email ID, and other details.

Step4: After entering the details, you need to recheck it and at last hit on “Submit” tab.

Step5: Your CIBIL Report will be mailed to you or shown at your computer screen.

End Up!!

Customers who are not satisfied with this page of “What Is CIBIL Report, How To Check Credit Report Online” they can visit to the Official Link for more acknowledgement or connect with our portal by pressing CTRL +D to bookmark our portal also.

You Should Put An Eye On This!!!

Why CIBIL Score Is Important? How To Check CIBIL Score Using Pan Card
Factors That Can Affect Your CIBIL Score CIBIL Frequently Asked Questions
KYC Documents For CIBIL How To Correct Mistakes In CIBIL Report?
How To Improve CIBIL Score? How To Check CIBIL Score

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