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.
Credit Information Report
Company 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 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 rank 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 ₹10 Lakhs to ₹50 Crores.
Step 1: Visit the official 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 get your 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 the CIBIL website, and click on “Subscribe Now”. Now, choose the subscription plan you want. Then, you are required to provide a few details, including your date of birth, PAN 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 either net banking or using your debit/credit 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 on the CIBIL website through the steps given below:
Step 1: The company has to select the option of ‘Company Credit Score.’ Details, including the company’s name, address, legal constitution, authorised signatory’s ID and address proof, and additional information like Company PAN, Company Identification Number, Loan Account Number, Tax Identification Number etc. have to be provided.
Step 2: Now, the payment needs to be made through net banking or credit/debit 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.
If you’ve forgotten your CIBIL username, you can reset the same 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.
For getting access to your individual CIBIL score, you have to submit both identity proof and address proof documents mentioned below.
Identity Proof: PAN card, Passport, Aadhaar Card, Voters Identity Card, Driver’s Licence.
Address Proof: Electricity Bill, Telephone Bill and Bank statement.
For companies, only a proof of address, like a bank statement, or electricity/telephone bill has to be provided as other details have already been furnished during the company registration process.
You must ensure to upload the recent KYC documents before proceeding to the CIBIL login. Expired or invalid documents can result in the cancellation of the registration process. You can proceed to upload KYC documents by following 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 the details provided during the registration process.
Step 3: Select the type of document for identity proof (for individual credit scores) and upload the same.
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, PAN, 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 verification.
To log in to your CIBIL account, you need to visit the official TransUnion CIBIL website. On the homepage of the website, click on the ‘Member Login’ button and enter your username and password. Finally, click on ‘Enter’ to log in to your CIBIL account.
To access the Company Credit Report from the CIBIL, you will need to pay a subscription fee of ₹3,000.
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.