- Personnel Information - Name, current residential address and company’s address in case of a firm.
- Pan Card Number, Driving License Number, Passport Number and Voters Id Number.
- Date of Birth and Date of Incorporation of the firm.
- Information about all the credit facilities availed by the borrower from any of the member institutions. This includes details for all the loans, credit cards etc.
- Repayment status of all the current accounts as well as closed accounts.
- Default details if any in any of the account.
- Amount overdue on a particular account.
- No of enquiries made by the member banks in past 12 months.
You can see now how the credit history is reflected in the cibil report. It contains all the information that is mentioned in the features of the report.
You can not check your cibil report directly. Credit Bureau does not provide a credit report to any individual and only member institutions can view your report, but here are some ways by which you can have a access to your report.
1. If you have applied for a loan or credit card with any of the member banks of cibil, then you can approach them to send you a copy of your credit report. You can also go and collect a copy from the bank on your own.
2. You can apply for a credit facility from any of the bank which is a member of cibil. The bank will get your credit reportgenerated to know the recent and current status of your payment record. You can now ask the lender to give a copy of this report to you.
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