Today with the assistance of the Internet, everything is getting simplified and the same can be said for CIBIL credit score. Now, you can get your CIBIL credit score online through a paperless process.
Yes, you can simply log in to the official website of the Credit Information Bureau of India Limited (CIBIL) and get your credit score online.
A CIBIL Credit score is decided on the premise of this Credit Information Report. All the main banks and lending firms in India consult with a credit score of each loan applicant so as to see the repaying capability of the Individual within the most convenient manner. In short, a CIBIL score helps the banks or lending companies to research the probability of defaults of a customer. If you have got a high CIBIL score then the possibilities of getting an approval rise whereas if the score is low then the banks would reject your application.
How to check your Credit Information Report (CIR)?
Now You can check your Credit Information Report (CIR) through CIBIL. Once you get your CIR, it helps you identify your credit score and standings. The best part about the CIBIL score is that it doesn’t list you out of anywhere. In fact, it allows a score supported by your credit history from your CIR. The score then helps the bank to determine whether you’re a defaulter or not. Basically, the CIBIL Credit Score ranges from 300-900. The more you're on the upper end of this range, the possibilities of the approval for your application increases.
With the web payment facility, you'll find your CIBIL Credit Score quickly right from your house. Get more details at www.cibil.com.
Necessary Documents to get CIR :
A CIR request form
Identity Proof of the requestor (Voters ID/PAN card/DL/Passport)
Address Proof (Electricity bills/Passport/Bank statements)
Simple Steps to Get Your CIBIL Credit Score Online :
The process of applying for your CIBIL Credit Score online is simple, you'll be able to visit the official web site of Credit data Bureau of India India (CIBIL) at www.cibil.com.
Once you browse the CIBIL web site and follow the simple steps below you can access your CIBIL Credit Score online.
When you are on the homepage of the CIBIL website, click on the “Know Your Score” tab which will take you to a page that will guide you through the whole process.
Next, you will be asked to fill out a web form. it's a basic form that requires you to fill out your personal details like Name, Date of Birth, Address, number, Income Details, Identity Proof and Address Proof yet the main points about the loans you have got taken within the past.
Once you fill out the whole form and hit “Submit”, you may be taken to the payment page. Here, you will be asked to pay a fee of Rs. 470 so as to get your CIBIL Credit Score.
After the payment is successful, you will be navigated to an authentication page. Here you will be asked to answer a minimum of three questions out of 5 to authenticate your profile.
However, if in case, your credit report has not been updated with CIBIL with the most recent details even after you have got cleared all of your debts, you'll do the following -
Log on to the CIBIL website. https://www.cibil.com/
Purchase your CIBIL credit report. Identify the error.
Get connected with CIBIL through the net Dispute Form to get the error corrected.
Be advised that CIBIL needs the Control Number of a CIR once you are raising a Dispute Resolution request in order that it can review your report and make the required amendments.
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