CIBIL Login: How To Login on CIBIL Portal

CIBIL Login: How to Login on CIBIL Portal

Benefits of CIBIL Report

• Helps Check Your Credit Health

The CIBIL report contains the credit score of individuals as well as the credit rank of companies. You can analyse your score and take appropriate steps to improve it. A good CIBIL score can allow you access to lines of credit at better interest rates.

• Effortless Credit Approval

A credit report analysis can help borrower’s take steps towards improving/correcting their report to get swift credit approval. A healthy report contributes to a seamless loan process and a faster loan approval allows the borrower to get the funds for their requirements.

• Lenders can Identify Eligible Borrowers

When lenders look at a CIBIL report, they get access to all the credit information of an individual or a business. This information helps them gauge the creditworthiness of a borrower and provide deals accordingly.

Different Types of CIBIL Reports

• CIBIL Credit Report

The CIBIL credit information report contains an individual’s financial history, including their personal information, contact information, credit account details, etc. When you apply for a loan, the lender goes through your credit history to determine your credibility as a borrower. The report features the CIBIL score, which is a three-digit number that usually ranges from 300 to 900.

• Company Credit Report

This report records a company’s credit history based on the data available with CIBIL. The company credit report (CIBIL CCR) contains the past payment behaviour of a business. Lenders evaluate loan applications based on this credit report to determine the creditworthiness of a business. The CCR ranges between 1 to 10, where 1 is the best and 10 is the worst. The CIBIL rank is available for businesses that have a credit exposure of Rs. 10 Lakhs to Rs. 50 Crores.

Steps To Login To CIBIL

• Login Process for Individuals

Step 1: Visit the CIBIL website and click on the ‘Get Your CIBIL Score’ button on the homepage.

Step 2: Tap on ‘Member Login’. It takes you to the login page.

Step 3: To log in to your account, provide your username and password details. If you’re not a member, click on the “Sign Up” button and follow the process.

• Login Process for Companies

Step 1: Visit the official CIBIL website and log in to your account.

Step 2: Once you’ve logged into your account, submit the required KYC documents to verify your account and deliver the CIBIL rank and report.

Understanding CIBIL Score Login Registration Steps for Individuals

You can view your updated credit score by registering on CIBIL’s website through these three simple steps:

Step 1: Visit CIBIL website, click subscribe now. Now, choose the subscription you want. Then you are required to provide details, including date of birth, PAN particulars and email 

address. Once you submit the details, you will be asked to accept the terms and conditions.

Step 2: Now you are required to pay for the subscription. You have the option of making the payment through net banking, debit/credit card and cash card.

Step 3: Next, you need to provide the details pertaining to your credit card and loans. CIBIL will cross-check these details before creating the credit score.

CIBIL Score Login Registration Steps for Companies

A company can register itself through the steps given below:

Step 1: The company has to select the option of ‘Company Credit Score.’ Details, including company’s name, address, legal constitution, authorized signatory’s ID and address proof, additional information like Company PAN, Company Identification Number, Loan Account Number, Tax Identification Number etc. has to be provided.

Step 2: Now payment has to be made through net banking, credit/debit card or cash card.

Step 3: A unique CIBIL registration ID along with a transaction ID will be sent to the registered email address. The first ID is to be used for CIBIL login in future.

Step 4: Now the company’s KYC documents have to be uploaded.

Step 5: After verification, the CIBIL rank and Company Credit Report (CCR) will be provided.

KYC documents for CIBIL Login

For getting access to your individual CIBIL score login, you have to submit both identity proof and address proof documents. While bank statements/telephone bills/electricity bills can be used as address proof documents, identity proof documents are: Aadhaar card, passport, driving license and voter’s ID card.

For companies, only proof of address, like bank statement, electricity/telephone bill has to be provided as other details have already been furnished during the registration process.

How to Upload KYC Documents for CIBIL Login?

You must ensure to upload the recent KYC documents before proceeding to CIBIL score login. Expired or invalid documents can result in cancellation of the registration process. You can proceed to upload KYC documents in the steps given below:

Step 1: Visit the KYC page on CRISIL’s website: https:// www.cibil.com/kyc-check. Once you select the option for generating an individual credit score, or a CCR, you will be redirected to the KYC uploading page.

Step 2: Provide the date of birth and email address. This should match with the details provided during the registration process.

Step 3: Select the type of document for identity proof ( for individual credit scores) and upload it.

Step 4: Select the type of document for address proof. Upload it and click on ‘Submit.’

How to Download a CIBIL Report?

Given below are the steps to download your CIBIL report for free:

Step 1: Visit the official TransUnion CIBIL website.

Step 2: Click on ‘Get Yours Now’ and start filling in your details like your name, date of birth, PIN code, ID number, etc., and create your username and password.

Step 3: Click on ‘Accept & Continue’ and fill in the OTP for identity verification. You might be asked to provide additional details to confirm your identity.

Step 4: You should be able to download your CIBIL Report upon successful ID verification.

CIBIL Report Dispute Resolution Process

For Individuals:

Step 1: Login to the CIBIL website and go to the ‘Credit Reports’ section.

Step 2: Select ‘Dispute Center’, and click on ‘Dispute an item’.

Step 3: Now, start filling in the online dispute form and choose the relevant sections as per the nature of your dispute and click on ‘Submit’.

Step 4: In case you’re disputing data inaccuracies, fill in the value for the disputed field and click on ‘Submit’.

For Companies:

Step 1: Visit the official TransUnion CIBIL website.

Step 2: Select ‘Dispute Resolution’ and choose ‘Company Dispute Resolution’.

Step 3: On the next page, click on ‘Raise an Online Dispute’ and start filling in the online commercial dispute form.

Step 4: Now, enter the captcha code for verification and click on ‘Submit’.

Common Terms Used in a CIBIL Report

The below table contains the common terms that are used in both Credit Information Reports and Company Credit Reports.

Having a good credit score and a healthy credit report is crucial to be eligible for affordable financing. At Finserv MARKETS, you can check your CIBIL score online. You can even acquire a Credit Health Report online, i.e. a detailed financial report of your overall finances, as well as get tips to improve your credit health.

You can also apply for a Bajaj Finance Personal Loan of up to Rs. 25 Lakhs at affordable interest rates. The online loan application process requires minimal documentation. Moreover, there are no hidden charges on the loan, making it the ideal way to fulfil all your financial needs.