Categories: BankingReal Estate

How to check CIBIL score online?

Do you know why your loan was rejected? Usually you find many reasons for such rejection. But one of them might be your CIBIL Score. If it is less than the prescribed limit then your application will get rejected. Also without knowing your credit history if you apply many times for loans or credit cards then your score will decline !!!

What is CIBIL Credit Score?

A credit score is detailed credit history and credit worthiness of a person.  Based on this history CIBIL will give you the score from 300 to 900. Higher the score will be better for getting approval of your housing loan, car loan, personal loan or credit card.

Why Credit Report?

  • It contains your past and present credit history.
  • Today Banks and Financial Institutes sanctions loan based on your credit history. So a good score will help you to get loans sanctioned easily.
  • You can follow the discipline in future by analyzing the current score.
  • It helps you to understand your credit worthiness.
  • It will automatically understand you whether to go ahead for fresh credit or not.
  • Usually 750 to 800+ range of score is considered as a good score.

What affects your score?

  • Irregular Loan Re-Payment.
  • Cheque bounce in past.
  • If you default your credit card bill.
  • Higher number of unsecured loans such as personal loan and credit cards.
  • Higher the rate of application for unsecured loans.
  • If you are defaulter for your friends loan for whom you are acted as guarantor.
  • Using your credit card limit fully.

How to improve your score?

  • Never default your EMI or Credit card bills. Pay them regularly without fail and within a stipulated period.
  • Don’t try to over burden yourself with number of loans. If your credit score is good then banks will usually be ready to sanction more loan  than what you actually asked for. But maintain strict limit based on your requirement.
  • Avoid having multiple unsecured loans and credit cards on single name.
  • Always collect “No due Certificate” from your banker after closing the loan.
  • Keep some distance while applying for fresh loans, usually a 6-12 months gap.
  • Never be a guarantor to your friend or relatives. Because it will automatically affect your scoring if they default.
  • Always try to utilize the lesser than specified limit on your credit cards.
  • Never try to run-away from your loans. Try to settle them as soon as possible in a amicable way with your banker.

How to apply for CIBIL Score online?

Step 1–Fill the Form online

Complete the below form which is available online by visiting CIBIL site here.

You notice that the fee for getting online CIBIL report is set as Rs.470.

You need to fill your personal details in the field 2-like Name, Last Name, DOB, Gender, Address, State, City, Pin Code, Residency code (whether rented or owned house) and your income details.

You need to fill it up your contact details in the field 3-like phone and email details. This is required to contact you and send you the report online.

You need to provide Identity proof and address proof in field 4-Identity proof will be any of these four, like PAN Card, Passport, Voters ID or Driver’s Licence. Address proof will be Bank statement, Electricity Bill, Telephone Bill, Passport, Credit Card Statement or Voters ID.

Finally you need to provide your loan account number or credit card number to identify your history.

Step 2– Online payment

Once you click on “Click here for online payment” tab, it will redirect you for online payment of fee, which is Rs.470. You can pay using net banking, credit card, cash card or debit card. Once your online payment is successful then page will automatically redirect towards CIBIL Authentication page. But before that you will get and Identification ID, this you need to write it down for future correspondence related to your payment.

Step 3- Authentication

It is the process which involves answering around 3-5 questions from you related to your credit cards and loans. Once this authentication is successful then you will be eligible to view the report online immediately. But be ensure that to you disabled your browser pop-up blocker.

If your authentication failed then you need to send the physical copies of Online Payment Confirmation copy, Identity proof and Address Proof (which are mentioned above) to the below mentioned address.

Consumer Relations – Disclosure Request,
Credit Information Bureau (India) Limited, Hoechst House, 6th Floor, 193,
Backbay Reclamation, Nariman Point, Mumbai 400 021. Contact Nos-+91 – 22 6638 4600 and Consumer Helpline number-+91 – 22 6140 4300.

After that it will takes around 10 days to receive the score to your address through express delivery.

That’s all…this is the process to check your CIBIL score online (if your authentication success).

BasuNivesh

View Comments

  • Hi Mr. Basavaraj,

    Recently, I purchased my CIBIL report which was 799. I had given my PAN as identification. All good till here.
    Now, I have a education loan from 2010. I have missed more than 10 EMIs of it in total. But when I had the loan issued to me I did not have a PAN. The loan is in my name ,however. Also, the loan has my father's name and a guarantor. When I saw my CIBIL report, it did not have any mention of my education loan. I do have a credit card whose EMIs , I have never missed. The report showed details of credit card. The source of my CIBIL Report was mycibil.com where I paid 550 rupees. My question is , is my CIBIL score correct. Can I assume that the few EMIs which I missed for my education loan have not impacted my CIBIL since I did not have PAN?

      • Thanks Basavaraj.

        I would appreciate one more answer from you. My education loan is almost coming to closure. Can you let me know what documents are needed at the time of closure. Will my PAN be linked with the loan at the time of closure?
        Thanks in advance.

        • Chandan-They now not link. You have to get the clearance certificate from Bank once you repay the loan.

  • I do not have a last name in my pan card and while trying to get cibil score i am facing problem as the LAST NAME is mandatory... what should i do

    • Sheheryan-I don't think name matters. They track you through PAN. Please contact CIBIL for the same.

  • Hi Basavaraj,

    Is it true that we can get Experian CIBIL Report free? Paisabazaar is claiming that they are giving it free

    Please let me know.

    Thanks
    Punnet Sharma

  • Hi,

    My Credit Card is in Defaulter list..but i am having Car Loan and Personal..i paid 4 EMI's of Car Loan and 2 EMI's of Personal loan.Here my doubt is if pay the all loans on time which am having my cibil score will get increased???
    even my credit card is in defaulter List??? Please help me regarding this....

    Thanks,
    Sreenivas

    • Sreenivas-You have to pay the dues regularly and also try to settle the credit card due to improve CIBIL score. Otherwise, it haunt you for long.

      • HI,

        Thanks for valuable suggestion….

        Actually Bank Agent delivered wrongly credit card to other person in the year of 2007.In that time am staying in Paying Guest House in Hyderabad. After few months I got a call from bank stating that you have to pay the amount.I stunned and was arguing with them and finally given complaint to Customer Care Center…and met up with the Manager in Hyderabad and Bangalore. But nobody helped me and finally they put me into CIBIL.

        Now Third party people calling me and asking me the money…I explained clearly about my problem. They accepted my problem and they wanted to give one time settlement for me... but I want to pay full amount for removing PAN from Cibil.

        i am discussing with Bank for paying full amount of Credit Card.But here my problem is..Is Bank will remove my PAN from Cibil…? It means will they send the report to Cibil to remove my PAN… If I pay total Amount.

        Third party people telling me that it will be removed in 10days….but reviews in google they are telling that don’t pay the amount...Banks won’t send the report to Cibil and not remove from Cibil….i am totally confusing…

        Please give valuable suggestion. Because I can’t believe third party people and Bank agents

        Thanks
        Sreenivas

        • Sreenivas-They can't hide your SINGLE data. They have to update and share with CIBIL. Hence, they are liars. If you non used credit card, then you have all rights to fight in Banking Ombudsman. Why third parties calling? Is it as per banking rules??

          • Hi,

            i am willing to pay the total amount....how long it takes the time to update in CIBIL ...?once i paid total amount....It means 10 days to 45days ?

            And also do i have to take NOC from the Bank right...?for the future to get the credit card from Banks?

            Thanks for giving replying quickly...

            Thanks,
            Sreenivas.

          • Hi Basavaraj ,
            Thanks for given very valuable suggestions.

            Basavaraj…finally I have one doubt…if my Account is having Cheque bounces in the year of 2015[ two times cheque bounce…]that makes the Score gets down in Cibil..

            If I pay all default Amount …Will I get the any loan? if cheque bounce is there in the year of 2015

            Thanks
            Sreenivas

          • Sreenivas-Yes, cheque bounce haunts your score. You can to certain extent improve your score by paying all default amount.

  • Dear Sir,

    I am trying to get my CIBIL score online through official website of CIBIL.com

    However it says invalid ID for my PAN number.

    Is it the case someone else (preferably any banker or credit card issuing authority) have registered on their behalf and now I am not able to get for myself?

    Kindly express your specialized inputs.

    • Mahendra-Financial institutes can't register on behalf of you as an individual. Error may be something different. Write or call to CIBIL to resolve the issue.

  • Hi Basu Sir,
    How frequently we can check for CIBIL score and will it affect our score and loan getting options by any means.

    Because one of my friend who works in bank told that its not good to check your CIBIL score frequently.

    • Ambrish-Inform your friend that soon all individuals will get their CIBIL score once in a year at FREE (even without your request). So it decreases CIBIL score of all individuals? It is not like that.

  • Hi Basavaraj,

    I had applied for a education loan when I was a student. I did not have PAN then. The education loan is in my name.But the loan account is a joint account (I and my father)with a guarantor. Will this loan repayments affect my CIBIL score?

      • Thanks Basavaraj for the information. So, if my understanding is correct, only those loans or credit cards which are against your PAN card, will be counted for your CIBIL score. And, by the way, we cannot get loans without PAN card. Can we??

  • sir,
    i applied for cibil credit report,,but even before i could make a payment,,it says that we are unable to locate ur record in our database,,,what does that mean sir??

    • Dear Basu sir ,
      Today , I applied for CIBIL score follwing the instruction as shown by you . Even payment was successful ( sbi netbanking ) then the page showed " page not found "

      Even tried calling the contact no of CIBIL office provided by you , No body is responding .

      I faced the same problem few months back .

      Do not know what to do , Please guide

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BasuNivesh
Tags: CIBILHow to check CIBIL score
12 years ago

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