TransUnion CIBIL is one of the most prominent credit information bureaus in India. It is known to maintain the financial records of individuals and businesses. The data is sourced from banks and lending institutions to generate a credit report for individuals and credit ranks for businesses. This information helps lenders in determining the creditworthiness of an individual or a business based on their past financial behaviour and overall 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.’
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.
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’.
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’.
The below table contains the common terms that are used in both Credit Information Reports and Company Credit Reports.
It is used for credit accounts that have Suit Filed/Willful Default/ Written Off/Settled status.
DPD (Days Past Due)
The term represents the number of days that have passed from the original due date of the EMI.
This indicates that the payment was made as agreed, i.e. on time, and the credit account is up to date.
The term indicates the number of days the payment was delayed as compared to the agreed due date.
Control Number (CN)
This number is your report number and is essential in case you want to raise a Dispute Request.
‘NA’ or ‘NH’
A credit score of ‘NA’ or ‘NH’ means any of the following:
Class of Activity
The term indicates the borrower’s classification activity/occupation.
This indicates the number of credit facilities that are reported as ‘Amount Overdue’.
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.
Ever considered quantifying your financial health in specific parameters, with the Credit Health Report on Finserv MARKETS?
To log in to your CIBIL account, you need to visit the official TransUnion CIBIL website.
On the website, click on the ‘Member Login’ button.
Now, provide your username and password.
Click on ‘Enter’ to log in to your CIBIL account.
The following are the steps to check your CIBIL report:
Visit the official CIBIL website.
Click on ‘Get Yours Now’ and enter all the required personal details to create your username and password.
Verify your identity with the provided OTP.
Once your identity is verified, you can download your CIBIL report online.
You can download your CIBIL report by following the steps given below:
Visit the official TransUnion CIBIL website and click on ‘Get Your CIBIL Score’.
Enter your personal information like your name, date of birth, contact number, etc., and create your username and password.
Click on the 'Income Tax (PAN)' as your ID type and fill in your PAN number.
Verify your identity and complete the payment process.
Proceed to log in to your account, enter the details in the form, and click on submit to view your CIBIL score
You can unlock your user id through TransUnion CIBIL Connect. You just need a valid consumer bureau user id and the registered email id to proceed with the process.
If you’ve forgotten your password, you can reset it to recover your account. Given below are the steps to recover your CIBIL username:
Log in to the TransUnion CIBIL website.
Now, click on ‘Partner Login’ from the drop-down menu, then click on ‘Consumer’.
A new tab with ‘Member Login’ for ‘Consumer CIR’ will appear on the screen.
Click on ‘Reset your password’ for member/nodal.
The TransUnion CIBIL Connect portal will open in a new tab.
Click on the ‘Consumer Bureau’ tab and tap on ‘Unlock ID’. You will now be able to unlock your user ID.