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Frequent Queries sub-tab

Frequent Queries

What is a CIBIL Score and what factors affect my CIBIL Score?

CIBIL Score is a 3 digit numeric summary of your credit history, derived by using details found in the 'Accounts' and 'Enquiries' sections on your CIBIL Report and ranges from 300 to 900. The closer your score is to 900, the higher are the chances of your loan application getting approved.

How can I improve my CIBIL Score?

You can improve your CIBIL Score by maintaining a good credit history, which is essential for loan approvals by lenders. Follow these 6 steps which will help you better your score:

  1. Always pay your dues on time:
  2. Late payments are viewed negatively by lenders.

  3. Keep your balances low:
  4. Always be prudent to not use too much credit, control your utilization.

  5. Maintain a healthy credit mix:
  6. It is better to have a healthy mix of secured (such as home loan, auto loan) and unsecured loans (such as personal loan, credit cards). Too many unsecured loans may be viewed negatively.

  7. Apply for new credit in moderation:
  8. You don't want to reflect that you are continuously seeking excessive credit; apply for new credit cautiously.

  9. Monitor your co-signed, guaranteed and joint accounts monthly:
  10. In co-signed, guaranteed or jointly held accounts, you are held equally liable for missed payments. Your joint holder's (or the guaranteed individual) negligence could affect your ability to access credit when you need it.

  11. Review you credit history frequently throughout the year
  12. Monitor your CIBIL Score and Report regularly to avoid unpleasant surprises in the form of a rejected loan application.

I notice a mistake in my report. How do I raise a dispute? How much time will it take to resolve the dispute?

To initiate a dispute with us, just follow the below mentioned online dispute process.

Please Note -You can dispute multiple fields and information on your report in a single dispute by navigating to each section on the Online Dispute Form (i.e. Personal, Contact, Employment, Account Details and Enquiry).

Once the dispute is submitted, CIBIL will also mark the relevant field/ account/ section on your credit report as "Under Dispute".

It may take approximately 30 days to resolve a dispute, subject to the time taken by the Credit Institution to respond.

Credit Score and Loan Basics sub-tab

Credit Score and Loan Basics

What is TransUnion CIBIL? What does it do?

TransUnion CIBIL Limited is India's first Credit Information Company, also commonly referred as a Credit Bureau. We collect and maintain records of individuals' and commercial entities' payments pertaining to loans and credit cards. These records are submitted to us by banks and other lenders on a monthly basis; using this information a CIBIL Score and Report for individuals is developed, which enables lenders to evaluate and approve loan applications.

A Credit Bureau is licensed by the RBI and governed by the Credit Information Companies (Regulation) Act of 2005.

Click here to know more.

Why is my CIBIL Score important for getting my loan sanctioned?

The CIBIL Score plays a critical role in the loan application process. After an applicant fills out the application form and hands it over to the lender, the lender first checks the CIBIL Score and Report of the applicant. If the CIBIL Score is low, the lender may not even consider the application further and reject it at that point. If the CIBIL Score is high, the lender will look into the application and consider other details to determine if the applicant is credit-worthy. The CIBIL Score works as a first impression for the lender, the higher the score, the better are your chances of the loan being reviewed and approved. The decision to lend is solely dependent on the lender and CIBIL does not in any manner decide if the loan/credit card should be sanctioned or not.

What is a CIBIL Score and what factors affect my CIBIL Score?

CIBIL Score is a 3 digit numeric summary of your credit history, derived by using details found in the 'Accounts' and 'Enquiries' sections on your CIBIL Report and ranges from 300 to 900. The closer your score is to 900, the higher are the chances of your loan application getting approved.

How can I improve my CIBIL Score?

You can improve your CIBIL Score by maintaining a good credit history, which is essential for loan approvals by lenders. Follow these 6 steps which will help you better your score:

  1. Always pay your dues on time:
  2. Late payments are viewed negatively by lenders.

  3. Keep your balances low:
  4. Always be prudent to not use too much credit, control your utilization.

  5. Maintain a healthy credit mix:
  6. It is better to have a healthy mix of secured (such as home loan, auto loan) and unsecured loans (such as personal loan, credit cards). Too many unsecured loans may be viewed negatively.

  7. Apply for new credit in moderation:
  8. You don't want to reflect that you are continuously seeking excessive credit; apply for new credit cautiously.

  9. Monitor your co-signed, guaranteed and joint accounts monthly:
  10. In co-signed, guaranteed or jointly held accounts, you are held equally liable for missed payments. Your joint holder's (or the guaranteed individual) negligence could affect your ability to access credit when you need it.

  11. Review you credit history frequently throughout the year
  12. Monitor your CIBIL Score and Report regularly to avoid unpleasant surprises in the form of a rejected loan application.

Can CIBIL delete or change my records?

CIBIL cannot delete or change records reflecting on your CIR on its own; we simply collect records of individuals provided to us by our members (Banks and financial institutions). There are no 'good' and 'bad' credit or defaulters lists either.

What does it mean when my Score is "NA" or "NH"?

A Score of "NA" or "NH" is not a bad thing at all. These mean one of the below:

  • You do not have a credit history or you do not have enough of a credit history to be scored, i.e. you are new to the credit system
  • You do not have any credit activity in the last couple of years
  • You have all add-on credit cards and have no credit exposure

It is important to note that while these Scores are not viewed negatively by a lender, some lenders' credit policy prevents them from providing loans to an applicant with Scores of "NA" or "NH" (applicants with no credit track record). Hence, you may have better chances applying for a loan elsewhere.

What is CIBIL Score 2.0?

The CIBIL Score 2.0 is a new, updated version of CIBIL Score which has been designed keeping in mind the current trends and changes in the consumer profiles & credit data. Banks are gradually switching to the new version and you may find a difference in the new version when compared to the earlier version (i.e., the score 2.0 may be lower than the earlier version). Please note, the score displayed on the dashboard is the earlier version. However, the difference in the Credit Score does not impact the credit decisioning during the Loan approval process as both the versions of the score may have a different score eligibility cut off while processing the loan application.

For example, if your bank earlier used to sanction loans / credit cards to individuals with a credit score of 800 and above it may now lower its cut-off, if it has switched to the new version.

The CIBIL Score 2.0 also introduces a risk index score range for those individuals who have a credit history of less than 6 months. These individuals were categorized under the category of "No History - NH" in the earlier version. The score range is from 1 - 5, with 1 signifying "high risk" and 5 signifying "low risk".

CIBIL Score 2.0 summary and interpretation:

Score & Index Interpretation (i.e., for whom does this score reflect)
NA or NH
  • Individual has no credit history & it has not been reported to us.
  • Individual has no credit history but has only been enquired upon.
  • Individual has credit history but none that is reported in the 24 months prior to enquiry.
  • Individual has a credit history but it has not been reported to us in the last 24 months.
1 - 5
  • Individual has a credit history which is less than 6 months, hence a risk Index is returned
  • Higher to index, lower the risk
300 - 900
  • An individual with a credit history of more than 6 months (in the last 24 months)
  • Higher the score, lower the risk

Unlimited Access Plans sub-tab

Unlimited Access Plans

What are Unlimited Access Plans?

Unlimited Access is a time based subscription plan for your CIBIL Score & Report. You can refresh your CIBIL Score & Report daily during the subscription period and have an option to choose either a 1 month (₹ 550/-), 6 months (₹ 800/-) or 12 months (₹ 1200/-) plan.

With unlimited access, you also get access to other CIBIL Services like Personalized Loan Offers, Credit Monitoring and Dispute Assistance.

How do I purchase Unlimited Access to CIBIL Score and Report?

Go to 'Dashboard' and scroll to the 'Refresh Center' section of the dashboard. Click on 'Buy Unlimited Access Plan' button.

Choose an Unlimited Access plan and click on 'Proceed to Payment' button.

Your Unlimited Access Plan will be activated immediately after a successful payment.

Your CIBIL Score and Payment will be updated immediately after payment and you can request an updated CIBIL Score and Report any time till your unlimited access is valid.

I have purchased an Unlimited Access plan. How do I refresh my CIBIL Score and Report?

Go to 'Dashboard' and scroll to the 'Refresh Center' section of the dashboard. Click on the 'Refresh Now' button.

You will be asked for a confirmation. Tick the 'I Agree & confirm' check box and click on the 'Continue' button and your updated CIBIL Score and Report will be refreshed immediately.

How do I access my Free CIBIL Score and Report if I have purchased an Unlimited Access plan?

If you have purchased an Unlimited Access plan, you can access your updated CIBIL Score & Report every day. You can apply for your free CIBIL Score and Report once your unlimited access expires.

What additional features will I get access to when I purchase an Unlimited Access plan?

You will get access to apply for personalized loan and credit card offers based on your CIBIL Score. You can also raise disputes online in case you find any discrepancies or inaccuracies that reflect on your CIBIL Report.

Free CIBIL Score and Report sub-tab

Free CIBIL Score and Report

What is a Free CIBIL Score and Report?

CIBIL will provide you one CIBIL Score and Report without any charge once a year.

How do I get a Free CIBIL Score and Report from CIBIL?

Go to 'My Account' tab on the top right of the screen and click on the 'Get your Free Report' link. You will be able to access your Free CIBIL Score and Report instantly.

If you do not see the 'Get your Free Report' link on the 'My Account' page it might be because you have already applied for a free CIBIL Score and Report for the year. If you have purchased any of our unlimited plans, the 'Get your Free Report' link will be available after your unlimited plan expires.

What if I want another CIBIL Score and Report before one year?

If you have already got your Free CIBIL Score and Report for the year and wish to continue monitoring your credit history, you can purchase one of our unlimited access plans. Click here to know more.

What additional features will I get access to along with my Free CIBIL Score and Report?

You will get access to personalized loan and credit card offers based on your CIBIL Score. You can also raise disputes online in case you find any discrepancies or inaccuracies that reflect on your CIBIL Report.

I notice a mistake in my report. How do I raise a dispute? How much time will it take to resolve the dispute?

To initiate a dispute with us, just follow the below mentioned online dispute process.

Please Note -You can dispute multiple fields and information on your report in a single dispute by navigating to each section on the Online Dispute Form (i.e. Personal, Contact, Employment, Account Details and Enquiry).

Once the dispute is submitted, CIBIL will also mark the relevant field/ account/ section on your credit report as "Under Dispute".

It may take approximately 30 days to resolve a dispute, subject to the time taken by the Credit Institution to respond.

Understand your CIBIL Score and Report sub-tab

Understand your CIBIL Score and Report

Understand your CIBIL Score and Report

What is a CIBIL Score and Report?

CIBIL Score is a three-digit numeric summary of your credit history. The score is derived using the credit history found in the CIBIL Report (also known as CIR i.e. Credit Information Report). A CIR is an individual's credit payment history across loan types and credit institutions over a period of time. A CIR does not contain details of your savings, investments or fixed deposits.

How do I read my CIR?

A CIR has detailed information on the credit you have availed, such as home loan, automobile loan, credit card, personal loan, overdraft facilities. Below are the key sections of the CIR

CIBIL Score

Your CIBIL score, calculated based on your credit behavior as reflected in the 'Accounts' and 'Enquiries' section of your CIR, ranges between 300-900. A score above 700 is generally considered good.

Personal information

Contains your name, date of birth, gender and identification numbers such as PAN, passport number, voter's number

Contact Information

Address and telephone numbers are provided in this section, up to 4 addresses are present

Employment Information

Monthly or annual income details as reported by the Members (Banks and Financial institutions).

Account information

This section contains the details of your credit facilities including name of lenders, type of credit facilities (home, auto, personal, overdraft, etc.), account numbers, ownership details, date opened, date of last payment, loan amount, current balance and a month on month record (of up to 3 years) of your payments.

Enquiry Information

Every time you apply for a loan or credit card, the respective Bank or financial institution accesses your CIR. The system makes a note of this in your credit history and the same is referred as "Enquiries"

What do the various terms used in the CIR mean?

Go through the glossary to understand your CIR better.

I have an add-on credit card. Why are the details reflecting on my account when I am not liable to pay?

It is important to note that even if primary card holder is responsible for payments for charges incurred on both the primary and add-on credit card. Any default made in payments shall reflect in CIR of both the primary and add-on card holder.

Why are the loans for which I am a guarantor showing up on my report?

Banks and Financial institutions ask for a guarantor for certain loans as a means of security for the loan amount they provide. A guarantor on any form of loan is equally responsible to ensure the repayment of the loan. Hence, the guarantor provides a guarantee to the lender that he will honor the obligation in case the principal applicant is unable to do so. Any default on the payment of the loan by the principal applicant, will affect your CIBIL Score as well.

I have closed all my accounts on time with the bank and have NOC. Why is it still showing as outstanding on my report?

The reason it may be still reflecting in your CIBIL Report is because the updated information has not been provided to CIBIL by the concerned Credit Institution (CI). You can raise a dispute with CIBIL and we will update you with the response from the CI. As per the Credit Information Companies (Regulation) Act of 2005, we cannot modify any information in the database without confirmation from the concerned Credit Institution.

If you have received a confirmation from the Credit Institution about the submission of revised data to CIBIL, you can check its updated status by clicking here.

Loan Rejections and Disputes sub-tab

Loan Rejections and Disputes

My loan has been rejected because of the defaults reported against my name in CIBIL records. How do I remove my name from the CIBIL's defaulters list?

CIBIL doesn't maintain a defaulters list. We maintain the credit history of individuals as reported by banks and other lending institutions. The decision to grant a loan is solely dependent on the credit policy of the lender. In order to check your credit history in detail and to identify any possible discrepancies / errors that might be reflecting against your name, monitor your CIBIL Score and Report regularly.

What kind of inaccuracies can reflect on my CIBIL report?

Ownership

If either some of the personal details or one or more accounts / enquiries on your CIBIL Report do not belong to you.

Incorrect personal details

Credit Institutions submit details of your credit account along with your personal / contact / employment information such as name, address, date of birth, PAN, telephone number, income etc. CIBIL then creates your complete credit profile basis these details. Hence, it is important to update your Credit Institution every time there is a change in the information as incorrect details may lead to a wrong CIBIL Report being generated.

Inaccurate account details

Credit Institutions generally submit data to CIBIL within a span of 30 - 45 days and if you happen to access your CIBIL Report within 45 days of your last payment of dues, it may not be updated. This leads to reflection of inaccurate current balance or amount overdue in your CIBIL Report. However, if the 'Date Reported' (date on which data is submitted by that lender) associated with that account is older than 2 months, and the payment made is still not reflecting then you can raise a dispute.

Click here to raise a dispute

I have Closed / Paid off the accounts and they are still showing on my report. How do I update my CIBIL report?

As per the Credit Information Companies (Regulation) Act of 2005, CIBIL cannot modify any information in the database without confirmation from the relevant Credit Institution. Credit Institutions submit data every 30 - 45 days to CIBIL and if you happen to access your CIBIL Report within 45 days of closure / pay-off of your accounts it may not be updated in CIBIL records. Click here to check the updated status of your account.

Can CIBIL make correction to the data or update / delete any information in the CIBIL Report?

CIBIL cannot make any change directly to your CIBIL Report. Only once the change is authorized and provided by the concerned Credit Institution can your CIBIL Report be updated.

I notice a mistake in my report. How do I raise a dispute? How much time will it take to resolve the dispute?

To initiate a dispute with us, just follow the below mentioned online dispute process.

Please Note -You can dispute multiple fields and information on your report in a single dispute by navigating to each section on the Online Dispute Form (i.e. Personal, Contact, Employment, Account Details and Enquiry).

Once the dispute is submitted, CIBIL will also mark the relevant field/ account/ section on your credit report as "Under Dispute".

It may take approximately 30 days to resolve a dispute, subject to the time taken by the Credit Institution to respond.

My report is incomplete. Can CIBIL add information to my CIBIL Report?

CIBIL cannot add any information directly to your CIBIL Report. The information available on your CIBIL Report is as reported to us by Credit Institutions (CIs). The onus lies with the CIs to report the complete and accurate data to CIBIL. CIBIL's responsibility lies in accurately updating and accumulating this information across CI's. Please contact your credit institution to report the missing information to CIBIL.

I am unable to submit a dispute without entering the branch details? What can I do?

Certain banks cannot resolve your dispute unless they have the details of the branch where you have obtained the loan from. Hence, we have automated the process of collecting the branch details from you at the time of initiating the dispute. Providing the branch details will enable the bank route your dispute to the correct branch which will help expediting the dispute process. In case you do not have the branch details, you will need to contact the respective credit institution.

Why can't I raise more than one dispute type on a particular account / enquiry?

You can either dispute ownership or the fields of an account / enquiry.

If you have disputed the ownership (Account does not belong to you) then disputing other fields is not relevant.

If you are disputing the field for a particular account / enquiry which belongs to you, disputing ownership is not applicable.

What does CIBIL do once I have raised a dispute?

Once you have submitted the dispute, CIBIL will verify the dispute internally and route it to the concerned credit institution. Once the CI responds to the dispute request, CIBIL will update the changes instantly (if applicable), and communicate the status to you via email.

Click here to understand the Dispute Resolution process.

How do I know the status of my dispute?

You will receive an automated email notification regarding the status of your dispute every 7 days.

I had raised a dispute for correcting information on my CIBIL Report but I have received a notification that I need to contact my credit institution, Why?

CIBIL cannot make a change to your CIBIL Report until authorized by the Credit Institution. This could either mean that CIBIL cannot update the information basis data provided by the credit institution or the credit institution has rejected your dispute. You will need to contact the concerned Credit Institution (CI) directly for further information or you can initiate a dispute request again and we will re-verify it with the relevant CI.

Why doesn't CIBIL verify information with consumer before updating the report?

The information available on your CIBIL REPORT is as reported to CIBIL by Credit Institutions (CIs). The onus lies with the CIs to report the facts accurately to CIBIL. CIBIL's responsibility lies in accurately updating and accumulating this information across CI's. In case you find any data inaccuracy in your CIBIL REPORT you can initiate a dispute with us and we will get the inaccuracies verified with the concerned CI. Any changes have to be authorized by the concerned CI for it to be updated in CIBIL records to reflect in your CIBIL REPORT.

What if I'm not satisfied with the results of dispute?

You can choose to contact the concerned Credit Institution (CI) directly. Alternatively, you can initiate a dispute request again and we will re-verify it with the relevant CI. Please note, we cannot make any changes to your CIBIL Report without the confirmation of the respective CI.

I see the message that certain information on the report is under dispute? What does this mean?

An alert (as highlighted in the below image) indicates that the information in certain sections of your CIBIL Report is disputed. The alert notification will be removed only once the dispute is resolved.

What action will CIBIL take if the CI does not resolve the dispute within 30 days?

CIBIL cannot modify any information in the database without confirmation from the relevant Credit Institution. We have an automated process where a daily reminder will be sent to the bank / CI until the dispute is resolved.

How much time does CIBIL take to update information once the bank has responded to the dispute?

Once we get the corrected data from the Credit Institutions (CI), we update our records instantly.

My account has not been updated for more than 2 months. What should I do?

There could be 2 reasons why your account has not been updated:

  • Credit Institution has not submitted your recent data to CIBIL
  • There is an ongoing dispute on your account

You can contact your credit institution directly and request them to take appropriate action.

I have approached the CI to update my account details, however I have not received any update?

If you have approached the credit institution directly to update your account in CIBIL records, the onus lies with the CI to send you an update. You can contact your credit institution to know the updated status of your account. Alternatively, you can click here to know the updated status of your account.

Personalized Loan Offers sub-tab

Personalized Loan Offers

I see "Personalized Loan Offers" on my Dashboard, I want to know more.

CIBIL provides an online platform where consumers get customized loan and credit card offers from participating lenders in a single view. These offers are customized based on your CIBIL Score, income and other parameters.

This access is valid for 3 months at no additional cost or charge! It is absolutely free. Click Here to view your personalized loan offers now.

How can I access these personalized loan offers?

  • Click on the 'Login to view offers' button on your dashboard
  • Login using your 10-digit Control Number and CIBIL Score
  • Provide your personal details like Name, Address etc. and access your personalized loan offers.

What are the advantages of Personalized Loan Offers?

You can access offers from various participating lenders on a single portal. It's simple, user-friendly and provides complete transparency. The offers are customized basis the lenders' eligibility criteria which means the offer you select is the offer for which you are actually eligible for*

*The offers are dependent on the documentation check and verification performed by the lenders as per their credit policy

What happens after I have applied for a loan / credit card offer?

Once you have selected an offer then the respective lender will get in touch with you. Please ensure the details entered by you are accurate. This will enable the lender to respond to you at the earliest. You can also provide alternate contact details while selecting and confirming the loan / credit card offer.

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