In this article I will be writing about the credit report or credit history and the new system introduced by CIBIL to find the credit history for a customer. After reading this article you will realize the importance of this new system. Please post your thoughts in the comments section. Subscribe to our future articles here.
also read:
What is Credit Report?
If you are holding account with SBI for the period of five years. You would have done so many credit card transactions and possibly availing personal loans with the same bank or any other bank which you have repaid ontime or with any penaly amount. These are all the details about you as the customer with SBI and it tells about your honest on repaying the loans and what is your capacity.
A report which contains all the financial transaction details about a customer irrespective banks is called as Credit Report. This report will be very useful for the banks to decide whether they can issue a credit card to that particular customer or whether he will be pay the loans without cheating the bank. It will be good for customers and banks to process the application without making much delay.
Credit Report from CIBIL?
Credit Information Bureau of India Limited (CIBIL) is a company well known for maintaining the history of each customers. All the banks submit their customer details to CIBIL to share with othe banks. At present there is no system to check for repayment history of a customer. It makes difficult for the banks to use these data.
Few weeks ago CIBIL announced that introduced a manual system to provide consumers with their own credit history on a test basis. A written communication from CIBIL has clarified that CIBIL has started offering Consumer disclosures through an interim solution. This interim solution is a testing phase and we will be able to operational the full-fledged Consumer Relations System basis our learning from this phase.
CIBIL is also developing the infrastructure, systems and processes for an automated solution that would be needed to enable an individual direct access to their Credit Reports from CIBIL on-line . The full-fledged Consumer Relations System will have world-class features that will allow consumers to access their report on-line and banks to respond to errors via an on-line maintenance tool. The automated phase is expected to be ready by the beginning of next fiscal year.
Summary
CIBIL is one among 4 credit bureaus that have been licensed by the RBI under the Credit Information Companies Regulations Act, 2005 (CICRA). Almost all of the major lenders provide details of the credit facilities given by them to their customers as well as the amounts that have fallen due and the repayment made by the customers on a periodical basis (monthly or quarterly). CIBIL collates and aggregates this information. Thank you for reading this article.
Subscribe to our articles here.
November 27, 2009 at 2:17 am
WANT TO KNOW MY CREDIT STATUS WITH CIBIL, FOR ME TO AVAIL OTHER FACILITIES FROM BANK.
IF MY NAME IS IN THE CIBIL WANT TO KNOW HOW TO COME OUT OF THE SAME.
July 17, 2010 at 5:25 am
SIR, I AM APPLY FOR PERSONAL LOAN, BUT THE FINANCER TOLD MEM YOUR NAME IN CIBIL, SO I AM UNABLE TO GRANT LOAN. I WANT COMPLET DETAILS OF CIVIL REPORT, SIR PLEASE PROVIDE
July 30, 2010 at 2:09 am
hiiii.. this is PAVANKUMAR ROWTHU from hyderabad, sir/madam i applied for educational loan in SBI hal campus balanagar.
the problem is my father PITCHAIAH had taken a credit card on 23/05/2006, we used the card to buy sum personal things and we paid all the amount later.
but the cibil report saying the following things
opened : 23/05/2006
last payment: 22/05/2007
closed : 06/08/2007
reported : 31/05/2010
overdue : 3278
high credit : 24,350
current balance: 24,350
file no. 439131388
sir/madam please clarify Thank youmy query with reference to above details. hope you reply soon
August 27, 2010 at 8:35 am
Dear Sir,
This is very informative and useful. Pls. clarify me how to come out of CIBIL’s defaulters list. No clear information available anywhere.
October 27, 2010 at 12:31 am
sir, i have a c.c. limit at s.b.i. also i applied for enhancement, but they told me that i have agriculture loan which is iregularise since year2002. but in my knowledge i have not any such loan. my question is how can i know about that. they show me cibil report, but don’t show me the details.
October 27, 2010 at 12:38 am
sir, i have a c.c. limit in s.b.i. since 2years. now i applied for enhancement, but they show me that i am a defaulter of an agriculture loan,which issued at the year of 2002 as the cibil report. but in my knowledge there is no such loan, they don’t show me the details. how can i get this
February 12, 2011 at 11:29 pm
WANT TO KNOW MY CREDIT STATUS WITH CIBIL, FOR ME TO AVAIL OTHER FACILITIES FROM BANK.
IF MY NAME IS IN THE CIBIL WANT TO KNOW HOW TO COME OUT OF THE SAME. My PAN No. is AFPQK 2779F
February 12, 2011 at 11:31 pm
WANT TO KNOW MY CREDIT STATUS WITH CIBIL, FOR ME TO AVAIL OTHER FACILITIES FROM BANK.
IF MY NAME IS IN THE CIBIL WANT TO KNOW HOW TO COME OUT OF THE SAME.My PAN No. is AFPQK 2779 F
March 7, 2011 at 8:28 am
hi sir
March 7, 2011 at 8:34 am
sir my daugter had a educationloan sanctioned at pnp bank sirkali my father g.ramakrishnan is coapplicant cibil report says that there is an overdue of rupees 289. how could get details of the same to get rid of it
April 7, 2011 at 1:46 am
Sir,
I have applied for a loan in a nationalised bank.The loan cannot be processed because of cibil report mentioning write off charges on credit card, whereas I am not at all a defaulter for any kind of payments.Please reply.
Thanks.
May 2, 2011 at 6:07 am
WANT TO KNOW MY CREDIT STATUS WITH CIBIL, FOR ME TO AVAIL OTHER FACILITIES FROM BANK.
IF MY NAME IS IN THE CIBIL WANT TO KNOW HOW TO COME OUT OF THE SAME
May 2, 2011 at 6:20 am
WANT TO KNOW MY CREDIT STATUS WITH CIBIL, FOR ME TO AVAIL OTHER FACILITIES FROM BANK.
IF MY NAME IS IN THE CIBIL WANT TO KNOW HOW TO COME OUT OF THE SAME in future
May 16, 2011 at 7:40 am
my pan card no AEUPN4596C is pl let me know the cibil credit rate .which wil help me to get me the personal loan. pl mail me the cibil report and i wil be thankful sir.
May 16, 2011 at 7:46 am
my pan card no AJDPM3547Q is pl let me know the cibil credit rate .which wil help me to know me the personal cibil rating. pl mail me the cibil report and i wil be thankful sir.
May 21, 2011 at 1:54 am
Dear Sir/Madam,
Please let me know my score/rating in CIBIL.I would like apply for personal loan in short period.
Thanks and Regards,
M.Malla Reddy
09283161610
May 21, 2011 at 2:56 am
HI,
I wish to my cibil score, request you to help me in the same.
Regards,
Sandeep
May 29, 2011 at 10:11 pm
Dear Sir,
Our company has NPA in the last Financial Year. We have come accross NPA from April 2011. I want to Konw the current status, Kindly Help us.
company Name : Ceeyes Metal Reclamations Pvt.Ltd,
Pan No : AACCC1167D
With Kind Regards,
V.Isaac Jebaraj – Dy.Manager (Finance)
May 30, 2011 at 10:23 pm
my axisbank saving account no.1130.it’s put in the cibil.i have not taken any lone/creditcard in this bank.
June 7, 2011 at 4:19 am
what is my report
June 10, 2011 at 1:55 am
Dear concern,
I would say that some time before I was using your bank credit card but due to some problem it has been disconnected last year. We have already settled this card outstanding last month but we have not received 0 outstanding letter from your side. Every time we called customer care but again & again same given response that please contact with Mr. amit raina (collection manager) but he do not pick call single time.
We have facing this type of problem:
1: I am very disappointed by matrix agency who is authorized by you for collection because it’s not given any response under telephonic conversation and used abuse language. (details mention below line)
(matrix debt recovery services pvt ltd, east patel nagar Delhi m – (9810057250)
2: Gaurav (9711203006)who was collect the 27000/- cheque with commitment that I will provide you 0 outstanding letter within a week but he also do not pick phone.
Card and payment details:
Name: Manoj Kumar Yadav
Address: 12/37 Trilok Puri, Delhi-110091
Father name; Sh Swami Nath Yadav
Mother name: shiv kumari
Kotak card no: 4166461300461312
Ref No: 1-1169586829
Receipt no: 337478
Dated: 28 April 2011
Amount: 27000/
Bank Cheque: Punjab national bank
I request to you please provide 0 outstanding letter asap.
Rs
Manoj Yadav
9990035294
June 10, 2011 at 3:50 am
Hello Readers,
Even I have my own CIBIL report received. But, it looks not all of my accounts are uploaded in that report. Maybe it is because all the banks are sharing the details.
Thanks,
Krishna
June 21, 2011 at 10:35 pm
my pan card no AKFPR9442L is pl let me know the cibil credit rate .which wil help me to get me the personal loan. pl mail me the cibil report and i wil be thankful sir.
July 19, 2011 at 11:38 pm
Kindly provide the cibil rating of my pan number:AMYPG7833K
July 20, 2011 at 6:09 am
WANT TO KNOW MY CREDIT STATUS WITH CIBIL, FOR ME TO AVAIL OTHER FACILITIES FROM BANK.
IF MY NAME IS IN THE CIBIL WANT TO KNOW HOW TO COME OUT OF THE SAME. My PAN No. AEHPV5393J
August 11, 2011 at 2:47 am
i want know the procedure to take out a cibil report, pls guide me
August 26, 2011 at 10:41 pm
Dear client,
Your Credit Information Bureau (Cibil) credit information report(CIR), other than your income, is the single most important tool used by a lender to evaluate your application for any loan or credit card application. Naturally, it’s important that you understand yourCibil CIR and what it takes to maintain a credit history, so that it is viewed favourably by lenders.
We providing assistance on behalf of the client to get CIBIL report.
Please not we neither working on behalf of CIBIL nor any other government department.
We are Independent financial advisors.
Our serivices includes
Assisting for applying CIBIL reports
Helping for CIBIL report correctoion
Assisting getting loans from nationalised or private banks or NBFCs
Representing CIBIL issues and other matters to client’s bank
Fighting for getting NOC or NO DUE CERTIFICATE from banks on behalf of client after settling account
Liasioning between Bank and Cleint to sort out the matter of credit cards or loans
or more information please visit at https://www.cibil.com
NOTE: CIBIL REPORT IS STRICTLY PRIVATE AND CONFIDENTIAL DOCUMENT NEVER DISCLOSE TO ANY ONE
We are not providing any free services but advising professionally and result oriented.
Office:
VERITAS THE TEAM
914,Sahajanand Shopping Centre
Opp. Swaminarayan Temple
Shahibaug Ahmedabad 380004
Ph: 079-65498941
Fax : 079-40099917
SMS: 09687967770
Mail : veritastheteam.smile777@gmail.com
August 28, 2011 at 4:49 am
Hi,
Want to know the credit status with cibil & credit score to avail personal loan
September 5, 2011 at 2:51 am
i want to know my cibil report my
My cibil control number 497299187
September 5, 2011 at 5:17 am
My PAN no. is ALPPD9032E.I want to know my cibil status.
September 10, 2011 at 12:14 am
need my cibil report
September 10, 2011 at 2:20 am
Need my cibil score report
September 10, 2011 at 2:23 am
My PAN No. AIYPP3282F I want to know my cibil report.
September 10, 2011 at 2:29 am
i want to know about my cibil account and details to clear from cibil for better networking at future details of my account is here Add; mulla chalw room no 1 near new fish market kajupada borivali east mumbai 400066 mobile no 9821297868 pls send me details on my email id so i can clear my account
September 10, 2011 at 2:31 am
i want to know about my cibil account and details to clear from cibil for better networking at future details of my account is here Add; mulla chalw room no 1 near new fish market kajupada borivali east mumbai 400066 mobile no 9821297868 pls send me details on my email id so i can clear my account thanks
September 15, 2011 at 1:16 am
i want to know about my cibil account and details to clear from cibil for better networking at future details of my account is here Add; SUNIL MUNDRA 45/1 RAFI AHMED KIDWAI ROAD, KOLKATA. pls send me details on my email id so i can clear my account.
October 8, 2011 at 11:25 am
plz sand me details on my mail id ican clear my account ho.no 147 shapur bumata ghaziabad pin 201001
October 19, 2011 at 2:34 am
just report to (ho) banking finance vigilance
October 23, 2011 at 10:16 am
hi, my name is Sridhar Reddy and PAN # AEKPC6532P i want to know my name is in the CIBIL list
November 8, 2011 at 2:29 am
pl provide cibil report
November 22, 2011 at 2:27 am
My PAN no. is APIPK6064M.I want to know my cibil status.
PH. 9447303133
November 22, 2011 at 8:50 am
hi,
please send my CIBIL report.
shaikh samiruddin,
son of shaikh Nuha,
H.NO. 772,
near Dempo House.
st Agoustinho,
st cruz, Goa
November 27, 2011 at 11:09 am
please provide cibil report
c.k.ganesh prabhu 27 november 11.40 pm
November 28, 2011 at 6:23 am
Sir, I have a C.C. A/c at SBM & also i applied for enhancement, but they told me that i have loan which is iregularise since year 2006.IN THE CIBIL report it showing that rightoff how to come out of this and if i clear the cibil i may apply for loan as per the bank manager. if i clear the CIBIL issues when i may get the reguler cibil repot please help me in this matter. PAN NO: ALDPM0166H
regards
Murthy M.N
November 30, 2011 at 9:18 am
Sir, How do I come to Know about my CBIL report, is there any online process.
Regards,
Ritesh
December 2, 2011 at 1:04 am
Hi, I need to know my CIBIL deails, my PAN is AXHPKL303L.
Regards,
Vineet Kalra
December 2, 2011 at 3:48 am
I required cibil repor reports
December 3, 2011 at 5:24 am
Sir / Madam I will Apply for Home Loan so Please Give me my CIBIL Report In past all my documents failed because of my CIBIL Credit report so please give me a cibil report so i will Apply Home Loan
December 3, 2011 at 5:28 am
Please Give me a Cibil Report for my Credit so i can Apply my Home Loan
December 4, 2011 at 6:52 am
Sir, It is intimated by the bankers that my name was in the CBIL, hence my personal loan has not been sanctioned. Please now the details of my CBIL report.