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Personal Information (as per bank record)

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Personal Information

* As per bank records



*We update your score after every 180 days. Please check with CIBIL directly in case you want to see the latest score.

What's in your report?

Repayment History

Information about your payment punctuality and any delayed payments that have been reported

Card Utilization

Your credit card usage related information. Your credit card management affects your CIBIL score.

Credit Line Age

The longer you've been banking, the better your score. Find out how long your reported credit history is.

Credit Mix

Information on what kinds of loans you've acquired. Your credit cards, secured loans and unsecured loans contribute to your credit mix.

Recent Enquiries

Information on how many banks or lenders have made enquiries about you. The fewer the enquiries the better.


What is CIBIL Score?

CIBIL Score is a three-digit numeric summary of your credit history. The score is derived using the credit history found in the CIBIL Report (also known as CIR i.e Credit Information Report). Your CIBIL Score is one of the fundamental requirements to apply for a loan and is used by banks to judge your eligibility.

Who calculates credit score?


CIBIL, Experian, Equifax and Highmark are all credit information companies (CIC). These companies collect the credit history and activities of their borrowers and make a report of those records thereby assigning a score.

What is the difference?

They all work on the same principles, but CIBIL continues to be the most dominant choice of banks and the most reliable one.

Frequently Asked Questions


The CIBIL score is a total numerical score of one's entire credit history for a particular period. The Central Information Bureau of India Limited (CIBIL) was founded in 2000 as a record keeper of the credit and loan history of an individual which affects the prospects of the person taking a loan.


One can easily check the CIBIL score online by logging into their official website. At the website, click on ‘Know your score' and enter an online form with your details. A certain payment will be made following the verification of your loan transactions. The credit score is emailed once the details are confirmed.


Once you enter the official website of CIBIL and select the option of ‘Know your credit score’, enter your PAN number and few other details and the report will be mailed at your door or online as per your convenience. Since PAN is already linked to all your bank accounts, it makes the procedure much easier.


The CIBIL report also known as CIR, i.e. Credit Information Report displays your credit information and the payment report since the time you have applied for credits. There are no details of the savings, investments, and fixed deposits. It is a final three-digit summary of this credit history.


Yes, Rubique is an authentic partner as per the list is given out by CIBIL making a clear mention of all the companies it has connections with. Rubique occupies the list among the likes of paisabaazar and capitaworld and is, therefore, a legit, official partner of CIBIL.

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