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Score Simulator sub-tab

Score Simulator, now available with all CIBIL subscription plans

What is Score Simulator?

Score Simulator is a tool that allows you to simulate different credit actions on your existing CIBIL Report, and generates a simulated CIBIL Score. This helps you understand how various credit actions can impact your existing CIBIL Score thus empowering you to take informed decisions.

How does the Score Simulator work?

The Score Simulator allows you to choose from various simulations - such as

  • Opening / closing or new loan accounts,
  • Paying off outstanding amounts on credit cards
  • Adding late payments to your active loan accounts

On choosing a particular simulation, you will be asked for some additional details needed for the simulation for e.g. if you choose to add a new credit card, you will be asked for a 'Credit Limit'. On entering the additional details you will be able to check your simulated CIBIL Score.

Where can I find the Score Simulator?

You need to have an active paid subscription (1-Month, 6-Months or 1-Year Unlimited Access) in order to access the Score Simulator. Once you have an active paid subscription, you will be able to access the Score Simulator tool under the Score Simulator tab in your CIBIL account.
To register for a paid subscription click here.
If you already have a paid subscription, click here to log in and check now.

Why is my Simulated Score the same as my Current Score ?

Your CIBIL Score is a 3-digit numeric summary of your credit report and is dependent on multiple factors, which might be unique to every individual.
The impact of these factors may vary for different scenarios and might not lead to a change in CIBIL Score in case of certain simulations.

Does using the Score Simulator impact my existing score?

Score Simulator does not impact your existing CIBIL Score. Also using Score Simulator will not change / update any data on your CIBIL Report. Score Simulator only indicates how various credit actions impact your CIBIL Score.

How does Score Simulator help me?

CIBIL Score plays a critical part in the loan application process. Understanding how various credit actions are likely to impact your CIBIL Score can help you to take informed credit decisions to achieve your financial goals.

Legal Disclaimer:
The Score Simulator is designed to help you understand how different credit scenarios may affect your CIBIL Score. However, Score Simulator cannot be used as a prediction tool to guarantee any outcome. This simulator is meant for informational and educational purposes only and is to be used as merely an indicator of a hypothetical score based on the scenarios chosen by the user. It is only an estimate and does not provide a guaranteed result. TransUnion CIBIL shall not be liable or responsible for any errors or omissions, including but not limited to technical inaccuracies. Further, TransUnion CIBIL shall not be liable for the consequences of any decisions or actions taken in reliance upon and / or based on the result of the information / tools provided by this Simulator. TransUnion CIBIL shall not be held liable and/or responsible for any losses/ claims / damages caused to the user in any manner whatsoever. TransUnion CIBIL disclaims all such liabilities.

Alertssub-tab

ALERTS,now available with your 6-month and 12-month Unlimited Access subscription

What is the Alerts feature?

Your CIBIL Score and Report may change whenever a credit institution accesses your report or submits new and/or updated data on the credit facilities you have availed. The new Alerts feature monitors your CIBIL Score and Report and sends you real-time email notifications that your CIBIL Score and Report has undergone a change.

How does Alerts help me?

79% of loans are approved for individuals with a CIBIL Score greater than 750. Hence it is very important to monitor your Score and Report regularly for any changes as reported by credit institutions. The Alerts feature does this credit monitoring for you. In case the information updated on your report is incorrect, you can immediately raise a dispute for the same.

When will I get an alert?

You will get an email alert if there is any change that can impact/influence your CIBIL Score and Report, such as:

  • New Enquiry added
  • New Account added
  • Change in Utilization
  • Delinquency Change
  • New Address added
  • New Phone Number added
  • Change in CIBIL Score

This feature is designed to deliver real time CIBIL Score and Report Alerts, straight into your mailbox.

Where will the alert be delivered?

An email notification for Alerts will be delivered to your registered email ID. You can view the details under the Alerts tab by logging into your CIBIL account.
Click here to log in and check now.

How frequently will I receive these alerts?

You will be notified whenever specified changes get updated on your CIBIL Score and Report. For the list of changes for which you will receive an alert, please scroll up.

How can I get access to Alerts?

If you have an Unlimited Access subscription for 6 months or 12 months, you will be able to access the Alerts feature. If you have checked your CIBIL Score and Report for Free or have registered for a one-month subscription and would like to subscribe for this new feature,Click here.

Why should I bother about any change in my CIBIL Score and Report?

Your CIBIL Score is instrumental in getting you faster, cheaper access to credit. TransUnion CIBIL's Alerts is an easy way to monitor important changes on your CIBIL Score and Report. Additionally, this helps you

  • Monitor your credit profile and aim for a healthy score (above 750)
  • Identify and track any incorrect data reported on your CIBIL Report
  • Protect yourself against identity theft and report any possible incidents of credit fraud

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.

Lenders may have a different loan eligibility criteria depending on the version they are using.

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; hence no information has been reported to us.
  • Individual's Credit Report may only have enquiries i.e. banks have accessed the individual's credit report but have not sanctioned any loans.
  • No credit information has been reported to us for the individual in the last 24 months.
1 - 5
  • Individual has a credit history of less than 6 months.
  • Higher the index, lower the risk.
300 - 900
  • Individual has a credit history of more than 6 months and the credit history has been reported to us within 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.

How CIBIL makes your loan search easier sub-tab

How CIBIL makes your loan search easier

Typically when we need a loan or a credit card, we approach at least 2-3 banks or financial institutions to find out interest rates and the other charges (such as processing charges). We then get all our documents in place and submit them to these lenders along with the loan application. Lenders now begin the 'Loan evaluation' process by first referring your CIBIL Score and Report while assessing your application. Based on their lending criteria, which varies from lender to lender, your loan may or not be approved.

But this is a time consuming process and depending on the loan type it can take months! In order to address this, we have launched 'Personalized Loan Offers' which aims at making your loan and credit card search easy by extending deals offered by lenders based on your credit eligibility. Here, in a single view you can compare interest rates and other features being offered by a host of lenders at once. So how does it work?

  • Get your CIBIL Score and Report and automatically get access to Personalized Loan Offers for 3 months at no additional cost!
  • Choose from the multiple offers (on Loans and Credit Cards) which are customized keeping your credit profile in mind.
  • On selecting an offer from a lender, they will contact you to complete the formalities.

So in essence, you can not only view at one place what participating bank/financial institution have to offer but also see offers that are tailored based on your CIBIL Score and Report. Your CIBIL Score plays a critical role in the loan approval process. Lenders check your CIBIL Score before approving your loan application. Higher your CIBIL Score, higher are the chances of your loan application getting approved.

You are on the Legal Information tab
You are on the Customer Awareness tab

PHISHING TECHNIQUES sub-tab

PHISHING TECHNIQUES

At TransUnion CIBIL, we aim to provide Information for Good. With our consumers' data at the centre of our business, we strive to secure your information and ensure it is protected. However, we need your cooperation in this constant fight against fraud. Have you ever realised how easy it is to fall prey to credit fraud and identity theft?

Despite the advances in the digital world, there are innumerable ways in which you can expose your confidential information online and put yourself at risk.

Learn more about each of these techniques and how you can protect your online identity

PHISHING

Phishing is an attempt to obtain any type of sensitive or personal information such as login credentials, banking and card details or even personal identifiers (like your PAN and AADHAR number) through deceitful means, such as impersonating another in any kind of electronic communication. This is used by cyber criminals to trick users into revealing sensitive confidential data simply by luring them through fake emails and websites.

Did you know that spear-phishing is a targeted cyber-attack to trick a specific group of people/organizations by sending emails to gain access to what they need?

What to watch out for

  • Congratulatory or warning emails from unknown senders
  • An email with a call-to-action to "click here for a prize/cashback/points"
  • A mismatch in the sender's email address vis-à-vis the official email address
  • Emails addressing you with a generic title such as "valued customer" instead of your name
  • Emails appearing to be from executive leadership you work with, requesting information about you or colleagues that they usually do not ask for
  • Unexpected emails asking for your personal information or your immediate action

How to avoid falling prey to it

  • Do not click on links or open attachments from unknown senders
  • Do not respond to or forward suspicious emails that may be a scam
  • Always make sure that the sender's email address matches the official address
  • If in doubt, contact the person or organization (as claimed in the email) by using contact information provided only on their official website
  • Always hover your mouse over the link to see if it will direct you to a legitimate website
  • Do not enter any personal, login, or financial information when prompted by an unsolicited email

VISHING

Vishing (voice or VoIP phishing) is an electronic fraud tactic that can be conducted by voice email, VoIP (voice over IP), landline or cellular telephone. Vishing is the telephone equivalent of phishing, where fraudsters trick the user into divulging sensitive data by pretending to be someone else over a phone call. This private information can be used for identity theft.

What to watch out for

  • A caller exhibiting over-friendly behavior (calling you by your first name or making small talk to get to know you)
  • A caller who claims to work for a company or organization you trust (such as a bank, a software vendor, police department, or government agency)
  • Threatening calls reiterating a fine or charge that must be paid immediately
  • Calls claiming to distribute exaggerated/fake prizes, products, or services such as credit and loans, extended car warranties, charitable causes, or computer support
  • A phone call requesting for login credentials or personal sensitive information, or suggesting you make a payment using odd methods, like gift cards
  • Pre-recorded phone call messages or robocalls.

How to avoid falling prey to it

  • Never share sensitive information over a phone call
  • Be suspicious of all unknown callers
  • Always cross question the caller if you have any doubts

Smishing

Smishing stands for "SMS phishing," a security attack in which the user is tricked into downloading a Trojan horse, virus or other malware onto his cellular phone or other mobile device. This can also include fraudulent messages sent over on SMS to the trick user into divulging sensitive information.

What to watch out for

  • Suspicious messages from unknown senders
  • Impersonations of a business such as your bank or mobile service provider who try to convince you to respond to the message with information or ask you to click a link to log into your account or provide requested information, indicating a problem with your account and immediate action
  • Text or SMS claiming you have won a prize or enticing you to click a link or send information to be entered to win something

How to avoid falling prey to it

  • Do not call back on a phone number provided in any suspicious SMS
  • Do not trust a sender just because their sender name is an abbreviated form of an assumed word, e.g. ICBNK
  • Avoid clicking on any URL in the SMS
  • Avoid downloading any app from a link mentioned in a suspicious SMS

Protecting your Informationsub-tab

Protecting your Information

Below are some Tips on how to protect your Data Online:-

  • Mobile security tips
    • Research and download apps from a safe, trusted source.
    • Read the terms and conditions around app permissions before clicking on "I agree".
    • Review the app ratings before deciding whether the content is appropriate for download.
    • Ensure your apps are updated regularly and watch out for new updates or permissions that the app may require.
    • If you are using a banking app or any other app for financial transactions, follow basic tips such as protecting your phone with a password, not changing factory security settings and/or logging out from the app when finished.
    • Use antivirus to keep you mobile device safe.
  • Computer security and safe browsing tips
    • Be careful while clicking on any attachment or links in an email.
    • Beware of updating/uploading sensitive information on websites such as banking websites
    • Ensure your network connections are secure and you browse only on secure networks and not on a public network.
    • Create hard-to-guess passwords that include upper and lower case letters, numbers and special symbols.
    • When shopping online, or visiting websites for online banking or other sensitive transactions, ensure the site's address starts with "https", instead of just "http", and has a padlock icon in the URL field.
    • Equip your computer with an updated anti-virus software.
    • Ensure your computer and mobile device have the latest software versions installed.
    • Change your password every 2 months.
    • Do not share your sensitive data as that may lead to identity theft.
    • Do not re-use your office computer password for personal emails and services.

NOTE: TransUnion CIBIL does not have any official mobile app. Please be wary of any such apps on the Android Play Store or iOS App Store.

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