Personal Information (as per bank record)
* As per bank records
What's in your report?
Information about your payment punctuality and any delayed payments that have been reported
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.
Information on what kinds of loans you've acquired. Your credit cards, secured loans and unsecured loans contribute to your credit mix.
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
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