CIBIL - Credit Information Bureau - Credit Information Report

You have just applied for a loan and you bank says you have a pending loan/credit of x amount as per CIR (Credit Information Report) of CIBIL(Credit Information Bureau India Limited). They cannot reveal the name of the creditor also as it is visible to them only if they have generated the entry for you.

What do you do now?
Drop an e-mail to  consumerqueries@cibil.com with your FULL NAME, PAN CARD, DATE OF BIRTH, PERMANENT ADDRESS, CURRENT ADDRESS for a quick enquiry.


Download the form and post it to them and your Credit Information Report.
 http://www.cibil.com/pdf/Consumer_Disclosure_Form.pdf

Now, talk to the creditor and get NOC from them. It will be reflected in the CIBIL records in 45 days or so.

CIBIL just maintains records, they cannot add/delete. They just keep information that is sent to them be creditors.

Access your CIBIL Credit Report (1):


You can now access a copy of your Credit Information Report (CIR) from Credit Information Bureau (India) Limited (CIBIL).The information in the form will be required to process your request. Any omission of information will delay your request for want of clarifications. Hence, once information is duly filled please enclose the completed form, necessary supporting documents & a demand draft for fees in an envelope, affix required postage and mail to:
Credit Information Bureau (India) Limited, P.O. Box 17, Millennium Business Park, Navi Mumbai- 400 710.

Once CIBIL receives the duly completed form, self attested identity proof and address proof copies and the fees, your request will be processed and a copy of your CIR will be dispatched to you. If additional information is required to process your request CIBIL will contact you by mail.

Your CIBIL CIR will be presented to you in a simple and easy to understand format. However, on receiving your CIR, if you require any explanation/clarification, you can email us at consumerqueries@cibil.com.

Download the form for Credit Information Report.

 http://www.cibil.com/pdf/Consumer_Disclosure_Form.pdf



Access your CIBIL Credit Report (Details):

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 a copy of your CIBIL CIR as follows:

Letter: Address    1. Write to CIBIL with the CIR Request Form duly filled in     2. Also mail self attested hardcopies of your Identity Proof1 and lastest      Address Proof2 documents and Fees3 to P.O.BOX 17, Millennium     Business Park, Navi Mumbai- 400710   3. Once CIBIL receives the documents and Fees3, your request will be      processed and copy of your CIR will be dispatched to you.

1. Valid Identity Proof: PAN Card/ Passport/ Voters ID (Mail self attested hard copy of any one of      these Identity Proofs)

2. Valid Address Proof: Latest Bank Account Statement/ Electricity Bill/ Telephone bill (Mail self      attested hard copy of any one of these Address Proofs)

3. Payment terms: Demand Draft (DD) of Rs 142/- (inclusive of all taxes and express delivery      charge) , in favour of Credit Information Bureau (India) Limited payable at Mumbai
 
     Please note that the fee once paid is non-refundable.

4. If you have existing credit accounts or have recently applied for a credit facility we request you     to please submit identity and address details that have been submitted to the relevant credit     institution/s. This will help us provide you with more consistent information.

Download Request Form

CIBIL has no authorised agents. Please do not contact anyone other than CIBIL in order to gain access to a copy of your Credit Information Report.

Your CIBIL CIR will be presented to you in a simple and easy to understand format. However, on receiving your CIBIL CIR, if you require any explanation/clarification, you can email us at consumerqueries@cibil.com.
CIBIL is always at your service.

All your correspondence to CIBIL must be sent through Indian Post only.

Please call us at 022-61404300 if you require any clarifications