You can now ask for your credit history and credit score from Cibil!

Sushubh

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For Rs 450, individuals can now get a copy of their credit history and credit score - the document which in recent years has become an important determinant of whether an individual is eligible for a loan on not.

On Wednesday, Credit Information Bureau of India (Cibil) - a central agency which collects and maintains borrower information from lenders across the country said that it will make available online the Cibil Transunion score. This score along with a record of credit history is used by lenders as a measure of creditworthiness. The score ranges between 300 and a maximum of 900. A score of 800 is considered good and often eligible for loan by most lenders.

Now, find your creditworth online for Rs 450 — timesofindia.indiatimes.com — Readability
 

hitman

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Just applied for tht .. Authentication was done successfully .. and they will email the score within 4 business days
 

Sushubh

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ooh cool. so online payments and online delivery!
 


hitman

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Yeah .. for tht after payment they ask 5 questions regarding ur accounts or loans which u may have taken in past ..Like wht was the highest or lowest loan amount sanctioned to u .. or in which bank u never applied for an account .. etc etc
 

Sushubh

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never took a loan. not sure if it would work for me. i do have a credit card so i should be there in their database.
 

hitman

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They already have the options .. so u have to select the correct answers for those questions ..I also took the loan some 7-8 years back for my bike and once for my car .. So they asked me abt tht only .. Not all questions r linked to loan .. They will have other questions too according to ur history5 question they asked me .. My lowest loan amount and bank name .. My highest loan amount and bank name .. My account type and its activation date ... Which bank I don't have any account .. last one I don't remember ..So they were all easy ..
 


IndianMascot

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never took a loan. not sure if it would work for me. i do have a credit card so i should be there in their database.


I have some cash on call and EMI and all loan amounts are visible in HDFC Netbanking since last 2 months.
 

agantuk

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Aah, so it's online now? Excellent. Let me try it out.

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Thanks for the link, have been planning to ask them for a report for really long but the paper procedure was putting me off. Now just hoping they send me the report in 4 days as mentioned. What is interesting though is the questions they asked which seemed to indicate to me that some of my credit history is seriously missing from their records :D
 

maniaco

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Did anyone received there CIBIL report? Its been more than a week now and I havent received my report. Have send them an email, Lets see what they reply.
 

agantuk

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I got it in 4 business days as they had mentioned. Must say I am impressed. As also pissed after seeing the report. HDFC sent as many as 15 enquiries to check if I was eligible for a credit card, on the same day. This, after they contacted me for a card as I had a corporate savings account. Bastards. More enquiries means more 'negative' points on your credit rating.
 

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