Friday 20 June 2014

WHAT IS A CIBIL CREDIT REPORT AND WHAT INFORMATION DOES IT CONTAIN?

A CIBIL credit report is a month on month record of an individual’s loan related EMI or credit card payments. Loans can include home loans, credit cards, personal loans, automobile loans and overdraft facilities. Other information included in a credit report is as follows:
• Personal information related to an individual such as name, date of birth, address and identification numbers like PAN number, Passport number, Voter’s id and Telephone number
• Account information such as the type of loan taken (home, auto, personal, overdraft, etc), the size of the loan, the current balance outstanding, overdue amount (if any), number of days a payment is overdue (if there is an overdue amount) and so on.
• Information on the number of ‘Enquiries’ made by loan providers on an individual. An “Enquiry” is created on your credit report every time the Credit Institution requests the credit bureau for your credit report.
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