CIBIL Frequently Asked Questions

A CIBIL report provides extensive details on the credit you have taken, such as home loan, car loan, overdraft facility, credit card, personal loan, etc. It’ll show you the history of the repayment of the money borrowed over a period of time. CIBIL Score is a three-digit numerical summary of your credit history.

In general, CIBIL score/report is fetched from the official CIBIL website at a cost of INR 550. 

To get a Free CIBIL Score and Report from CIBIL, just follow the below mentioned process:

• Create an Account

Create your own user name and password. Enter your name, email ID and mobile number.

• Enter Personal Details

Share your basic details like DOB, Residential address, identity proof such as PAN card number and Aadhar number. (Make sure you enter these details as per the ID proof)

• Authentication

To verify your identity, CIBIL will send OTP or may ask more details to confirm whether it’s you or not. (For faster authentication, keep all account loans details to enter)

• Fetch Report

After successful authentication, you can fetch your CIBIL score and Report from CIBIL.

To fetch CIBIL score/report, you need to mention the following credentials.

• Personal details (Your First Name & Last Name should be as per your PAN Card)
• Valid PAN
• Gender
• Date of Birth
• Contact details (A valid Email Id and Mobile Number that you use for all your credit related activities)
• Current Residential address

You can request for your CIBIL report by visiting www.cibil.com. You will need to enter personal information such as name, PAN card number, date of birth, gender, contact details. Clear up the identity verification process, and make a fee payment in order to fetch your CIBIL score/report.

The inability to authenticate yourself may be a hindrance to fetch a CIBIL score / report. No worries! the reason you are unable to get the CIBIL score is shared with your registered email I d.

TransUnion CIBIL authenticates your credentials by asking questions related to your credit activities. This process is followed to prevent any unauthorized access to an individual account and to help create a secure network.

In general, the minimum credit score to get a loan varies from one loan to another. Indeed, if you have a credit score of 750 or higher, most of the loans are within your reach.

To enhance your credit score, you can start with taking simple steps, such as paying credit card bills and paying home loans on time. Also, if you have a zero credit history, you can apply for either of these to build your score. Furthermore, you can consult us to get more insights on how to improve your CIBIL score.

The minimum credit or CIBIL score needed to get credit card is 750. However, the score is different depending on the card you applied for and also on the creditor.

A good credit score is usually considered to be 750 or more. If your credit or CIBIL score is within this range, you can apply for loans and credit cards.

CIBIL will obtain a monthly report from its member banks and financial institutions. The details of the customer’s credit activity are sent to the credit bureau to check the payment history on the basis of which the report and the score are generated.

To get a Free CIBIL Score and Report from CIBIL, just follow the below mentioned process:

• Create an Account

Create your own user name and password. Enter your name, email ID and mobile number.

• Enter Personal Details

Share your basic details like DOB, Residential address, identity proof such as PAN card number and Aadhar number. (Make sure you enter these details as per the ID proof)

• Authentication

To verify your identity, CIBIL will send OTP or may ask more details to confirm whether it’s you or not. (For faster authentication, keep all account loans details to enter)

• Fetch Report

After successful authentication, you can fetch your CIBIL score and Report from CIBIL.

Yes, the banks will check your credit score and report back. Whenever you apply for a credit loan or a credit card, banks review your credit history to know your creditworthiness and determine whether you are eligible for loan approval or not.

Yes, credit score inquiries may affect your CIBIL score, but only in the case of hard query.