1. What is CIBIL SCORE
A Credit Score or the CIBIL Score is a three-digit numeric summary of your credit history. The score is derived using the credit history found in the CIR. A CIR is an individual’s credit payment history across loan types and credit institutions over a period of time. A CIR does not contain details of your savings, investments or fixed deposits.
2.HOW TO CHECK CIBIL SCORE ?
To check account number or member details you can purchase your CIBIL Score and CIR. This report will contain complete details of your credit history across various lenders and products, enabling you to check all the aforesaid information.
To check Cibil score
Just click on link and registered with your aadhar number optional and pan card must.
LINK :
http://adf.ly/1mrC4b.
➣ GET CIBIL SCORE
3.What is a Credit Score and a Credit Information Report (CIR)?
A Credit Score or the CIBIL Score is a three-digit numeric summary of your credit history. The score is derived using the credit history found in the CIR. A CIR is an individual’s credit payment history across loan types and credit institutions over a period of time. A CIR does not contain details of your savings, investments or fixed deposits.
How do I check details of my account number and member name mentioned in my CIR?
To check account number or member details you can purchase the CIBIL SCORE and CIR. REPORTS.
This report will complete details of your credit history across various lenders and products, enabling you to check all the fireside information.
How do I read my CIR?
A CIR has detailed information on the credit you have availed, such as home loan, automobile loan, credit card,
Personal loan,overdraft faci5. You can download the understand your CIR documents here for your ready reference.
Below are the key sections of the CIR
CIBIL Score
Your current credit score, calculated based on your credit behavior as reflected in the ‘Accounts’ and ‘Enquiries’ section of your CIR, ranges between 300-900. A score above 700 is generally considered good.
Personal information
Contains your name, date of birth, gender and identification numbers such as PAN, passport number, voter’s number
Contact Information
Address and telephone numbers are provided in this section, up to 4 addresses are present
Employment Information
Monthly or annual income details as reported by the Members (Banks and Financial institutions).
Account information
This section contains the details of your credit facilities including name of lenders, type of credit facilities (home, auto, personal, overdraft, etc.), account numbers, ownership details, date opened, date of last payment, loan amount, current balance and a month on month record (of up to 3 years) of your payments.
Enquiry Information
Every time you apply for a loan or credit card, the respective Bank or financial institution accesses your CIR. The system makes a note of this in your credit history and the same is referred as “Enquiries”
3.SITES WHICH ARE GIVING CIBIL SCORE ?
To check Cibil score
Just click on link and registered with your aadhar number optional and pan card must.
LINK :
http://adf.ly/1mrC4b
➣GET CIBIL SCORE
Excellent for more details refer - ""How to check your credit score online
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