CIBIL report Online | Cibil report on Mortgage defaulters

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Now Your credit report can be accessed online by making online payment and couriering your relevant documents as needed…

You can now access your Credit Information Report (CIR) directly from CIBIL. CIBIL CIR is a record of your credit payment history compiled from information received from Credit Institutions. The purpose is to help Credit Institutions 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.

 

If you have existing credit accounts or have recently applied for a credit facility, we request you to 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.

 

To know more about your CIR please read the Frequently Asked Questions (FAQ’s) on our website. In order to obtain your CIR, the following documents will be required

Steps:

1. Online Payment

1.Complete the CIR Request Form (On-Line Payment)

2.Payment – Pay Rs 142/- via Net Banking

3.Get Registration ID – On successful completion of your payment transaction, you will receive a unique CIBIL registration id and transaction id in your CIR Request Form (On-Line Payment)

4.CIR Request Form (On-Line Payment) along with CIBIL registration id and transaction id will also be emailed to you on the email address provided by you

5.Print and mail documents – Print the CIR Request Form (On-Line Payment) and mail it along with your Identity and Address proofs to any one of our below mentioned addresses

Address for sending via Speed Post / Regular Post

(Kindly affix the required postage) :

Credit Information Bureau (India) Limited,

P.O. Box 17, Millennium Business Park, Navi Mumbai- 400 710.

Address for sending via Courier / Registered Post

Consumer Relations,

Credit Information Bureau (India) Limited,

Hoechst House, 6th Floor, 193, Backbay Reclamation, Nariman Point, Mumbai 400 021.

Credit Information Bureau (India) Ltd (CIBIL) said it will come out with a database on mortgage defaulters and is also looking at expanding client base to telecom and insurance companies. “We will come up with a database of mortgage defaulters very soon,” CIBIL Managing Director, Mr Arun Thukral said after announcing the launch of a database of fraudulent activities here.

CIBIL, a repository for credit information, is also looking at providing data to telecom and insurance companies which would help them retain customers.
“We are looking at expanding our database. Giving data to telecom and general insurance companies are right now what we are looking to. Also we would come up with data for micro finance institutions (MFIs),” Mr Thukral said.
Members of CIBIL include banks, financial institutions, non-banking financial companies and housing finance companies.
The database for MFIs is aimed at providing information mainly about multiple lending to rural consumer borrowers, he said, adding that MFIs would gradually become main players in the domestic lending space.
CIBIL, a joint venture of TransUnion, banks and financial institutions, announced the launch of CIBIL Detect — a nationwide database of reported fraudulent and suspect activities.

The repository would provide data on high risk incidents in the credit sector of India. It would also provide details of individuals who have committed banking-related frauds in the past.

“Banks and financial institutions have been reporting rising cases of frauds and spurious incidences. As more and more banks start reporting fraud cases to CIBIL, the database would increase,” Mr Thukral added.

 
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7 Comments

  1. Hello Sir,
    I am facing a lot of problem regarding which i need some expert guidance.

    I Ravinder Kumar Budhiraja and my DOB is 09-10-1981 . I have never take credit card from any bank but when apply a loan from bank bank told me that ur name is in CIBIL .and your a/m is 96270 is pending . But I know that I have never ever receive credit card from any bank .So kindly please let me know that how to know the name of the bank it is and to whome should i contact for ..? I have contacted the CIBIl by sending them lots of Email but I don’t think so that they people are in the mood for giving me any support, they just asking me the money and when I raised the issue at Consumer Court http://www.consumercourt.in/personal-loan/12006-defaulter-list-cibil.html they just told that I have a strong reason to drag the Bank to the Consumer Forum .If any one have any idea or faced such issue in past or facing such issue please contact me I need some help in Removing my name from defaulter list and form a group to fight against such agency who are forcefully taking our hard earned money.

    Regards
    Ravinder

  2. Dear Mr.Ravinder

    You can obtain copy of your credit report using the process given above and get the details as to which credit card agency has reported your name for default. You can take-up the case against the concerned bank. if Bank fails to prove the same you can fight against in the court of law by issuing legal notice.

  3. You can approach RectifyCredit(www.rectifycredit.com), RectifyCredit are experts in credit risk and analysing the CIBIL report. RectifyCredit can provide you al the necessary assistance to resolve the issues associated with your CIBIL report, improve credit profile and help you in financial planning.

    For more information please visit – http://www.rectifycredit.com

    Regards
    Aparna
    Email – info@rectifycredit.com

  4. SUMANGALA STEEL PRIVATE LIMITED on

    We require the CIBIL report status of our company named SUMANGALA STEEL PVT LIMITED,45, CHAMIERS ROAD, R.A.PURAM, CHENNAI 600 028

  5. SIR,
    I TAKEN CONSUMER LOAN FROM BAJAJ FINANCE. I CLEARED ALL EMI FOR MY LOAN. IN ONE ECS OF MY EMI WAS NOT CAME TO MY BANK AND BAJAJ FINANCE SAYS THAT THIS ECS IS RETURNED. MY BANK IS NOT CHARGED ANY RETURNE CHARGES. MY BANK TOLD ME THAT THIER WAASNOT ANY ECS CAME FOR CLEARING IN MY ACCOUNT. AFTER 7 DAYS PERSON CALLED ME FROM BAJAJ FINANCE AND TOLD ME TO PAY THIS ECS AMOUNT BY CASH. BUT I PAID THIS AMOUNT BY CHEQUE ONLY. NOW AFTER TWO YEARS BAJAJ FINANCE DEMANDED THE ECS RETURNE CHARGES AND INTREST ON IT. MY EMI AMOUNT WAS 1150. AND NOW THEY ARE DEMANDING 1100 RS. FROM ME. THIS COMPANY PUT ME ON CIBIL. PLEAS HELP ME OUT FOR WHAT I HAVE TO DO WITH BAJAJ FINANCE?
    BEST REGARDS
    vipulvora@yahoo.com

  6. 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

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