Cibil Report

Best SIP Funds to Invest Online 

The credit information report collated by credit information bureaus gives an insight into the credit profile of a person. 

A good credit report can get a loan approved faster. 

Let us look at the key elements to look out for in the Cibil report. 

Cibil score
This is the customer's credit score that can range between 300 and 900. A high score signifies higher credit worthiness of the customer. All information in the report is procured from lending agencies that periodically provide information about their customers. 

Personal information
This section contains personal information of the customer such as name, date of birth, gender, unique numbers of identification documents like PAN, Aadhaar

Contact information
This section contains the residential address, telephone and mobile numbers, and email id of the customer. 

Employment information 
This part contains the employment information of the customer (salaried/professional/ business) and income as reported by banks. 

Account information
This section enlists the loans availed by the customer, and the credit cards he holds. It contains the lender's names, loan details and mentions if there is any amount overdue. 

Enquiry information
This section contains information about enquiries by lenders in the past, date of their enquiry and purpose. 

Points to note
1. If the customer finds any discrepancy in any of the fields of the report, a dispute can be raised online using the online dispute form or by writing to Cibil. 
2. A credit score of more than 750 is typically considered to be a good score and is most likely to be eligible for sanction of a loan. 

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