Credit Information Report (CIR) directly from CIBIL can be downloaded

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This hasbeen need of the hour. Many innocent public caught in the hands of CIBIL and not able to procure loan just because their name appears in CIBIL which may be by mistake. But now CIBIL has come up with very good tool.
Consumer loan repayment history is maintained by their respective banks. On the basis of report sent by its member banks, CIBIL maintains its CIR. Every time there is default in credit history of borrower it is reported by individual banks from which he has taken loan to the CIBIL. Since person who has taken 2-3 different type of loans from different banks & has defaulted on them then its default report is generated by respective bank but now it is maintained & circulated by CIBIL in its original form on demand of lending institutions when the same individual has gone for seeking new loan. However in CIR it is mentioned by CIBIL how many Loan A/Cs does the individual maintains & on which loan A/Cs his EMIs are overdue. It should also be noted that CIBIL score is used mainly to check the default in loan repayment history of an individual.

Now you can access your CIBIL score (CIR) directly from CIBIL. You have to go to the following link http://www.cibil.com/accesscredit.htm & download the request form. Further you have to send the form via following options to CIBIL along with enclosing the necessary documents mentioned below…..
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:

Email: myreport@cibil.com 1. Email the CIR Request Form duly filled in

2. Mail self attested hardcopies of your lastest Identity Proof1and 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.

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.

Telephone: 022-61404300 1. Fax CIBIL the CIR Request Form duly filled in

2. Mail duly filled in CIR request form and self attested hardcopies of your Identity Proof1 and latest Address Proof 2 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 a copy of your CIR will be dispatched to you.

Fax: 022-40789007 1. Fax CIBIL the CIR Request Form duly filled in

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: 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.

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 or call us on 022-61404300.

CIBIL is always at your service to assist you.

* Credit Information Bureau (India) Limited

P.O Box 17,

Millennium Business Park,

Navi Mumbai- 400710

http://www.cibil.com/accesscredit.htm

 
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5 Comments

  1. It is most unfortunate that banks give credit to the borrowers and the information passed on to CIBIL.After clearing the entire dues to the bank/Financiers the information given to the CIBIL is not removed from the cibil Default List. Why

  2. In World population there are eighty percent are borrowers.Out of Eighty percent 50 percent information will go to CIBIL. Gradually it will goes upto 80 percent. Than there will be no body to gain credit/lend borrowings from the financial Institutions The list shows in the CIBIL as default or Negative credit. After some years no body is eligible to avail credit facilities from the fin. Institutions whatever the reason maybe. Financial/Banking institutions has to review their lending business

  3. As per my knowledge HSBC shows more enthusiasm in sending reports to CIBIL badly. As per my experiance I have closed my HSBC credit card for their abnormal billing and i have surrenderd the card by paying slight penalties that is about RS.450/-.For this reason they have given credit report as default to the Cibil. The people who cheats the banks with several credit cards with wrong residential addresses are now also enjoying credit facilities with the banks.Customers voluntarily closed their cards by making full payments are unnecessarily suffered.

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