How to know CIBIl Rating & Access Credit Information Report?

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  • 24 May 2012
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Want to know you CIBIl rating? Access your Credit Information Report (CIR) from CIBIL

You can now access your Credit Information Report (CIR) directly from CIBIL. As you may be aware, your CIBIL CIR is a factual record of your credit payment history compiled from information received from credit grantors. The purpose is to help credit grantors make informed lending decisions – quickly and objectively, and enable faster processing of your credit applications to help provide you speedier access to credit at better terms.

You can request for a copy of your CIBIL CIR in three quick steps through Email, Mail, Telephone or Fax. Detailed information is given in the file attached below:-

Access your Credit Information Report (CIR) from CIBIL

In order to avail a copy of your own CIBIL credit report, kindly send the duly filled Credit Information Report Request Form (attached herewith), along with the self attested hard copies of your valid Address Proof, valid Identity Proof and a Demand Draft of Rs 142/- in favour of Credit Information Bureau (India) Limited.

Further there is a procedure of cross checking the CIBIL status as (negative) claimed by any Lending Bank or Institution.

You should approach such credit institution, which has drawn a report on you and denied the credit application, for the control number of the credit report. The control number is a nine digit unique number starting with “3 or 4” that helps CIBIL to track the same report from their database.

This can be utilised by anybody who is either aggrieved by the credit report drawn by any credit institution or intends to seek credit in future.

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68 Comments

    1. SYED AFSHAN AHMED says:

      1. We will purchase a detailed CIBIL report (CIR) on your behalf.
      2. We will be analyze your Credit History & Credit Score.
      3. A detailed plan will be drafted to resolve any discrepancies first i.e., (you might have paid all the dues to the financial institutions and information in CIBIL is wrongly updated. We will fix the errors on your credit report)
      4. Then we will check about the defaults / overdue amount to be paid by you to the financial institutions.
      5. We will first check with you (since when you have defaulted or not paid the amount to the financial institutions)
      6. Then we will check with the bank about the closure amount.
      7. After paying the closure amount to the creditors.
      8. We will get you the closure letter/ No due certificate letter from the bank.
      9. We take the complete responsibility of the documentation for closure.
      10. We also ensure the CIBIL update is done by the bank. And whichever information’s are not updated in the report we will get it updated in the report.
      11. For the score to improve there must be running loan or credit card so we will get you a pre paid card for the score improvement and monitor for the score
      12. After updating all the records in CIBIL, your CIBIL will be cleared & then loans should not get declined
      for further details contact on 7899055935

        Reply
    1. Syed afshan says:

      1. We will purchase a detailed CIBIL report (CIR) on your behalf. 2. We will be analyze your Credit History & Credit Score. 3. A detailed plan will be drafted to resolve any discrepancies first i.e., (you might have paid all the dues to the financial institutions and information in CIBIL is wrongly updated. We will fix the errors on your credit report) 4. Then we will check about the defaults / overdue amount to be paid by you to the financial institutions. 5. We will first check with you (since when you have defaulted or not paid the amount to the financial institutions) 6. Then we will check with the bank about the closure amount. 7. After paying the closure amount to the creditors. 8. We will get you the closure letter/ No due certificate letter from the bank. 9. We take the complete responsibility of the documentation for closure. 10. We also ensure the CIBIL update is done by the bank. And whichever information’s are not updated in the report we will get it updated in the report. 11. For the score to improve there must be running loan or credit card so we will get you a pre paid card for the score improvement and monitor for the score 12. After updating all the records in CIBIL, your CIBIL will be cleared & then loans should not get declined for further details contact on 7899055935 – See more at: https://taxguru.in/finance/want-to-know-you-cibil-rating-access-your-credit-information-report-cir-from-cibil.html?replytocom=1258072#respond1. We will purchase a detailed CIBIL report (CIR) on your behalf. 2. We will be analyze your Credit History & Credit Score. 3. A detailed plan will be drafted to resolve any discrepancies first i.e., (you might have paid all the dues to the financial institutions and information in CIBIL is wrongly updated. We will fix the errors on your credit report) 4. Then we will check about the defaults / overdue amount to be paid by you to the financial institutions. 5. We will first check with you (since when you have defaulted or not paid the amount to the financial institutions) 6. Then we will check with the bank about the closure amount. 7. After paying the closure amount to the creditors. 8. We will get you the closure letter/ No due certificate letter from the bank. 9. We take the complete responsibility of the documentation for closure. 10. We also ensure the CIBIL update is done by the bank. And whichever information’s are not updated in the report we will get it updated in the report. 11. For the score to improve there must be running loan or credit card so we will get you a pre paid card for the score improvement and monitor for the score 12. After updating all the records in CIBIL, your CIBIL will be cleared & then loans should not get declined for further details contact on 7899055935 – See more at: https://taxguru.in/finance/want-to-know-you-cibil-rating-access-your-credit-information-report-cir-from-cibil.html?replytocom=1258072#respond

        Reply
  6. RATHOD says:

    Hello sir i apply credit card but not recevred and callme your cibil score low so plz tell me how to up my cibil score and tell me my cibil score my pan No.BFLPR5369J

      Reply
  7. Raj Kumar says:

    My application was rejected. Credit Sudhaar was my choice. Initially they were slow. But their counsellors were able to handle all my queries. I will give Credit Sudhaar a positive review.

      Reply
  16. rohit says:

    Can we Access a CIBIL server directly (without application) IF I have a memberid ? I m a software developer want to develop CIBIL application

      Reply
  17. Syed says:

    Hello
    If there is any issue with your CIBIL report like clearance or updation or if the CIBIL score is less than 750 we will improve where there would not be any problem in future to apply, any Loans, & Credit cards or if you getting any harassment calls please do call me or leave a MSG Syed 8095355329

      Reply
  24. SIVASUBRAMANYAM says:

    I want to know my unsettle amount which is pending from many years. Can you please forward to my mail id ? same time i want to know my rating status.

      Reply
  26. naresh kumar sharma says:

    My name is Naresh kumar sharma pls let me know my cibil score. my pancard no is. BOQPS9385M. My EMAIL ID:
     iamcsharma@hotmail.com.

      Reply
  30. CA Sarveshwar Mundra says:

    I don’t understand why one should pay money to Credit Information Bureau (India) Ltd. for knowing his credit rating. It should be free for all. RBI and/or Ministry of Finance should do something in this matter in view of public interest.

      Reply
  34. K.Srinivsarao says:

    sir,
    I got “No due certificate” for SBI credit card head qrs. against SBI card No:4317575074077158 vide reference No;MQ0103540026334,Dt:20.12.11.How can I know that the information at CIBIL is related to this SBI card or any else.I am in need of home loan for which SBI branch is not in position to accept the “No due certificate”.Please any one help me.
    With regards
    K.Srinivasarao
    Railway.Qr.No:150
    Sector-C
    Bondamunda-770032
    Sundargarh(Dist)
    Odisha.
    Mail:srinivasaraokuppili140@gmail.com
    psidh18@gmail.com
    kpk.21097@gmail.com

      Reply
  37. srinivasarao.K says:

    sir, In reference to Letter No: LB/SBI/East/May-08/7104,Dt:12 May,2008 of Manager, Payments assistance Unit
    I had paid Rs.3120/- as full and final payment in the month of January,2009 for my outstanding dues against SBI Card No:4317575074077158 and then after I never received any statement or phone call for outstanding dues if any.But it is regret to say how the SBI card team has kept my name for Rs 50,000/- as the last letter I received from the team mentioned above for Rs.2382.66.
    Due to the wrong information and display my name in your website the SBI,Madhurawada,Visakhapatnam had regretted my home loan requsition.
    In this regard I request you to kindly delete my name from list so that I can have a home loan from SBI,Madhurawada,Visakhapatnam branch.
    Thanking you,K.Srinvasarao,Railway quarter No;150,Sector-C,Bondamunda,Sundargarh(Dist),Orissa,Mob:09777582458

      Reply
  39. Terence bobby says:

    my name has been included in cibil, my PAN Number : ATFPB5759B—i have never taken loans or anything.please let me know how my name can be removed,EMAIL:Terencegbobby@gmail.com or pls call me 9591671726

      Reply
  45. SHARANABASAPPA says:

    Hi,

    First I want to know my cibil score, and my PAN is AAPPH8943L.

    Secondly, i have gone for a settlement of previous personal loan and credit card outstandings, I want to know after making the payment through settlement, will my credit score have an adverse affect.

    Kindly let me know the things

      Reply
  48. Ajay raj singh chahar says:

    Ajay Raj Singh Chahar
    01Jan1970
    Pan no. AFLPC0859D

    Sir,
    Kindly let me know how does I know about our cibil score,how does the cibil score work,means if my score is610 then how can I know that Ican avail a PL or not. Kindly let me know the fundamentals of scoring & how we able to improve our cibil score.

      Reply
  52. Ashish Mathur says:

    Sir,
    KINDLY REQUEST YOU TO FORWARD MY CIBIL STATUS. PLEASE SEND IT TO MY EMAIL ID MENTIONED ABOVE. My Pan Card no: is;- AKZPM1744N

    Regards
    Ashish Mathur
    Son of Shree Prabhu Dayal Mathur

      Reply
  54. AKS says:

    All,

    It specifies the process on how to request CIBIL for getting your credit report. Not that, these guys will provide free of cost.

    Thanks,
    AKS

      Reply
  56. CAROLINE TAMAKE says:

    HI,
    KINDLY REQUEST YOU TO FORWARD MY CIBIL STATUS. PLEASE SEND IT TO MY EMAIL ID MENTIONED ABOVE.

    PAN CARD NO: AEHPT3113J

      Reply
  57. iBAPHILAHUNSHISHA KHARWANLANG says:

    HI,
    KINDLY REQUEST YOU TO FORWARD MY CIBIL STATUS. PLEASE SEND IT TO MY EMAIL ID MENTIONED ABOVE.

    PAN CARD NO: BCYPK1288F

      Reply
  58. sarojkumar behera says:

    Dear Team,

    Kindly let me know how does the cibil score work. Means If my cibil score is 826, then how can i know that I can avail a PL. Kindly let me know the fundamentals of scoring.

    rgds,
    saroj kumar behera

      Reply
    1. Venkat says:

      HI All Guys,

      This post is for guys who want to know their CIBIL Report ( CIR )……………

      Please use that below CIBIL site link …………….

      www. cibil.com/online/manageCustomerDetails.do?action=showAddPaymentPage

      No one will send it to you , u have to check it.

      Thanks,
      Venkat

        Reply
    1. Venkat says:

      HI All Guy,

      This post is for guys who want to know their CIBIL Report ( CIR )……………

      Please use that below CIBIL site link …………….

      cibil.com/online/manageCustomerDetails.do?action=showAddPaymentPage

      No one will send it to you , u have to check it.

      Thanks,
      Venkat

        Reply

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