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CIBIL

I want to check the CIBIL report. Whom should I contact?

Please write to info@cibil.com for your CIBIL report.

What is CIBIL?

Credit Information Bureau (India) Limited (CIBIL) is an informative database of all customers having any kind of financial liabilities (past/ current and good/ bad) with all the financial institutions. This database is updated by all the financial institutions on a periodic basis with regards to the payment track of customer.

Please click here to know more about CIBIL: 

I want to change the status in by CIBIL from Settled to Normal. Whom should I approach?

We will be unable to change the status in CIBIL as NORMAL for the settled credit card accounts.

You need to pay the entire waiver amount in a single instalment (payment). By doing this, the status in your CIBIL records will be changed from ‘Settled’ to 'Normal'.

How many days does it take to update a customer's payment status?

Customers' account information is sent to CIBIL month on month for update into CIBIL's database. It takes generally 45-60 days from the month-end to update the record in CIBIL's database.

Can a customer's name be removed from CIBIL's database?

Member banks contribute to CIBIL on a monthly basis data of all their customers who maintain a loan/credit-card account with them. Hence a customer's name cannot be removed from CIBIL's database.

Is CIBIL a list of defaulters?

No. CIBIL maintains account information of various loan customers and credit card customers, whether they are defaulters or not. The information comprises their name, address, monthly repayment track record, outstanding amounts, etc.

If a loan/credit-card application is rejected, will it be reflected in the credit report?

A credit report reflects only credit information reported by member banks. Hence, details of loan applications are not available in the credit report. However, information about the number of times a CIBIL report has been generated can be obtained from the “Enquiries” section in the CIBIL Report.

How can a customer maintain a good credit history?

A customer will be able to build a good credit history by proper financial planning and by maintaining a good track record of repayment of dues for loans / credit cards.

Can ICICI Bank share its customers' account-information with CIBIL?

According to the loan agreement with ICICI Bank signed by the borrowing customer, the Bank can indeed share the data with CIBIL.

What is the content of a CIBIL report?

CIBIL only reports loan and credit-card information such as repayment track, loan type, amount outstanding, loan amount disbursed, various dates, etc. The report also contains a customer's personal information like name, address, date of birth, phone number(s), passport number, voter's ID number, PAN, etc. In a commercial credit report the inputs are similar but include some additional details pertaining to the commercial entity like legal constitution, registration number, etc. The credit report does not provide any opinion or comment on whether a loan should be extended to a customer. It reports the facts that its member banks and financial institutions have reported.

If a loan is denied to a customer by one bank on the grounds of the CIBIL report, will it be denied by other banks too?

Approval or rejection of a credit application depends on the bank's policies. Rejection by one bank on the grounds of the CIBIL report might not imply rejection by another bank.

Who contributes credit information to CIBIL?

The information is contributed by banks and financial institutions that are members of CIBIL.

How is a credit report helpful to credit underwriters?

The credit report shows account information such as repayment record, defaults, type of loan, amount of loan, etc. of the customer. This information facilitates prudent decision-making when the credit underwriter processes the loan/credit-card application.

On what segments does CIBIL provide a credit report?

CIBIL is a repository of credit information and in the consumer segment it provides information on the various loans availed of and cards held by an individual from a member bank. Its commercial report covers the credit availed of by non-individuals.

A customer complains that CIBIL's report generated by X bank / financial institution does not show the details of other loans / credit cards that the customer maintains with other banks and/or financial institutions.

CIBIL's report generated by X Bank will show all the loans/cards relations the customer has with various banks, but without the identities of the other banks being indicated. In other words, X Bank officials will not know the name of the other banks with which the customer has loans/cards relationships. The names of the other banks will appear as “Not Disclosed”. This has been done to ensure privacy. However the customer can contact CIBIL at info@cibil.com with the enquiry control number of the credit report (provided by X Bank) to find out the details of the member bank that has reported a particular transaction.

Do customers have access to CIBIL's report through CIBIL's website?

No, at present customers do not have access to CIBIL's website to be able to generate CIBIL's report

Can a customer's repayment track be overwritten in Credit Bureaus data base?

Member banks report data to credit bureaus on a regular basis, thus in case of a delinquent customer, if a customer has cleared all of his/her over dues in the current month the repayment track in his/her credit report will be updated from current month onwards. Please note that the records for the previous period will, however, continue to reflect the past behaviour.

Are all customers' names reported to CIBIL?

Only borrowal accounts, i.e. those customers who have availed of a loan or a credit card from a CIBIL member are reported to CIBIL. Details of liability accounts such as savings, fixed deposits and recurring deposits are not shared with CIBIL.

Is CIBIL the only credit bureau in the country?

As of September 2008, CIBIL is the only credit bureau in India. But some other credit bureaus are planning to set up in India soon.

If a customer's family member has defaulted, will it affect the customer's status in CIBIL's records?

The CIBIL report has information of loan/credit details of the borrower only. Therefore, for a retail customer, it would not matter if someone in his/her family has defaulted. If the customer's repayment track record is okay, his/her credit score will not be affected by that of his/her family members.