Enquiries are often referred to as loan and credit card applications. Every time an ‘individual/consumer’ or ‘businesses/commercial entity’ applies for a loan or credit card, respective lender* can access their ‘Credit Information report (CIR)’ or Company Credit Report (CCR). These applications are recorded in your credit report and the same is referred as “Enquiries” in your CIR or CCR.
*Lender refers to any bank or financial institution
We are now required by Reserve Bank of India (RBI) to inform individuals/consumers and businesses/commercial entity every time a lender requests for the credit history and CIBIL Score or CIBIL Rank in connection to a loan or credit card application.
It is important for you to understand some of the key words associated with your enquiry information.
Consistently monitoring your credit information is one of the foundations of healthy credit and a good way to help spot potential identity theft or any fraudulent activity. We work with you to address your concerns. Select from the choices below to access details of the enquiry alert received through SMS/email.
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*You can avail your annual Free CIBIL Score & Report only once a calendar year.
As per the Credit Information Companies (Regulation) Act 2005, no correction, deletion, or addition to any information in the database can be made by CIBIL without confirmation from the concerned lender.
Lenders appoint a principal nodal officer (PNO) expected to oversee the overall complaints management process of the bank. You can access this detail here.
You can initiate a dispute with CIBIL and we will verify the details in our records. Click here
Alternatively, if you are sure that the enquiry does not belong to you. Click here to write to us