Contact Us

• Please click here to login to your 'MyCIBIL' portal to view the latest status of your disputes.
• If you do not have access to 'MyCIBIL portal, please click here to avail your Free Annual Credit Report and get access.
• The turnaround time for dispute resolution is approximately 30 days, subject to the time taken by the credit institution from the date of dispute initiation. We are not authorized to delete or modify any records reflecting in the Credit Information Report without written confirmation from the respective credit institution(s).
• The dispute will be taken up with the concerned Bank or Credit Institution based on the type of dispute. Please be assured that we have written to the relevant Credit Institution(s), to help confirm the accuracy of the information in your report.
  Please note, the disputed field(s) under relevant section(s) in your CIBIL Report will be marked as 'Under Dispute' until your dispute(s) is (are) resolved.
• You will regularly receive updated status of your disputes from email id noreply@transunion.com on your registered email id. We request you to kindly check your emails for the updated status of your dispute.
• If the concerned Bank/Credit Institution agrees to the changes which you have raised, an email communication intimating the same shall be sent to you and corrections would be made in your report.
• A complimentary report will be sent on your registered email Id within 5 working days wherein 'Under Dispute' flag will be removed from the disputed field.
• For more information on dispute resolution please click on video link https://youtu.be/ut6w7Z2J3Vc
• If you wish to raise a another/additional dispute please refer to the information under section "How to Raise a Dispute"
• Dispute resolution is still awaited post 30 days of the dispute raised, we request you to contact our live chat agent to priortize the dispute

• If you find any information to be incomplete or inaccurate in your Credit Information Report, we can help you resolve the same. To initiate a dispute, submit the duly completed 'Dispute Form' available on https://www.cibil.com/consumer-dispute-resolution.
• Further you can also raise dispute by logging to myCIBIL
• Kindly, follow the below mentioned steps to initiate dispute/s.
  1. Login to myCIBIL
  2. Go to Credit Reports Section, navigate to dispute Center & Click on dispute an item
  3. Select the relevant section you want to dispute
  4. If disputing Ownership/ Dispute – Select the dispute type
  5. If disputing Data Inaccuracies - Enter value for disputed field
  6. Click on submit – you will receive dispute summary along with field name, details of dispute, status of dispute along with dispute Id as an email confirmation.
• You can dispute multiple fields and information on your report in a single dispute by navigating each section of the report (i.e. Personal, Contact, Employment, Account Details and Enquiry).
• Also you can refer to dispute resolution process video which will address all your query & concern by clicking on https://youtu.be/hqrIJB_qwDU
• Once dispute is raised you can also track the status of your dispute, please refer to information available under section "Status of Dispute"

• You can now initiate a dispute online with CIBIL for inaccuracies, account ownership and duplication of information that reflect in your Credit Report.
• Please note, you can dispute multiple fields and information on your report in a single dispute by navigating each section of the report.
• You can raise account related dispute, by submitting the duly completed 'Dispute Form' available on https://www.cibil.com/consumer-dispute-resolution.
• Further you can also raise dispute by logging to myCIBIL
• Kindly, follow the below mentioned steps to initiate dispute/s.
  1. Login to myCIBIL
  2. Go to Credit Reports Section, navigate to dispute Center & Click on dispute an item
  3. Select the Account section
• Also you can refer to dispute resolution process video which will address all your query & concern by clicking on https://youtu.be/hqrIJB_qwDU
• Once dispute is raised you can also track the status of your dispute, please refer to information available under section "Status of Dispute"
• The turnaround time for dispute resolution is approximately 30 days, subject to the time taken by the credit institution from the date of dispute initiation. We are not authorized to delete or modify any records reflecting in the Credit Information Report without written confirmation from the respective credit institution(s).

• Enquiry is created on your CIBIL Report every time a Credit Institution requests TransUnion CIBIL for your Credit Report. The enquiries reflecting in your CIBIL Report are not credit facilities availed by you.
• To further understand enquiries and how they impact your CIBIL score you can refer to consumer awareness videos by clicking on https://www.cibil.com/faq/consumer-awareness
• You can now initiate a dispute online with CIBIL for inaccuracies, enquiries and duplication of enquiry that reflect in your Credit Report.
• Please note, you can dispute multiple fields and information on your report in a single dispute by navigating each section of the report.
• You can raise enquiry related dispute, by submitting the duly completed 'Dispute Form' available on https://www.cibil.com/consumer-dispute-resolution.
• Further you can also raise dispute by logging to myCIBIL
• Kindly, follow the below mentioned steps to initiate dispute/s.
  1. Login to myCIBIL
  2. Go to Credit Reports Section, navigate to dispute Center & Click on dispute an item
  3. Select the Enquiry section
• Also you can refer to dispute resolution process video which will address all your query & concern by clicking on https://youtu.be/hqrIJB_qwDU
• Once dispute is raised you can also track the status of your dispute, please refer to information available under section "Status of Dispute"
• The turnaround time for dispute resolution is approximately 30 days, subject to the time taken by the credit institution from the date of dispute initiation. We are not authorized to delete or modify any records reflecting in the Credit Information Report without written confirmation from the respective credit institution(s).

• You can now initiate a dispute online with CIBIL for inaccuracies, Personal information that reflect in your Credit Report.
• Please note, you can dispute multiple fields, personal information on your report in a single dispute by navigating each section of the report.
• You can raise personal information related dispute, by submitting the duly completed 'Dispute Form' available on https://www.cibil.com/consumer-dispute-resolution.
• Further you can also raise dispute by logging to myCIBIL
• Kindly, follow the below mentioned steps to initiate dispute/s.
  1. Login to myCIBIL
  2. Go to Credit Reports Section, navigate to dispute Center & Click on dispute an item
  3. Select the personal information section
• Also you can refer to dispute resolution process video which will address all your query & concern by clicking on https://youtu.be/hqrIJB_qwDU
• Once dispute is raised you can also track the status of your dispute, please refer to information available under section "Status of Dispute"
• The turnaround time for dispute resolution is approximately 30 days, subject to the time taken by the credit institutionfrom the date of dispute initiation. We are not authorized to delete or modify any records reflecting in the Credit Information Report without written confirmation from the respective credit institution(s).

• You can now initiate a dispute online with CIBIL for inaccuracies, contact information that reflect in your Credit Report.
• Please note, you can dispute multiple fields, contact information on your report in a single dispute by navigating each section of the report.
• You can raise personal information related dispute, by submitting the duly completed 'Dispute Form' available on https://www.cibil.com/consumer-dispute-resolution.
• Further you can also raise dispute by logging to myCIBIL
• Kindly, follow the below mentioned steps to initiate dispute/s.
  1. Login to myCIBIL
  2. Go to Credit Reports Section, navigate to dispute Center & Click on dispute an item
  3. Select the personal information section
• Also you can refer to dispute resolution process video which will address all your query & concern by clicking on https://youtu.be/hqrIJB_qwDU
• Once dispute is raised you can also track the status of your dispute, please refer to information available under section "Status of Dispute"
• The turnaround time for dispute resolution is approximately 30 days, subject to the time taken by the credit institution from the date of dispute initiation. We are not authorized to delete or modify any records reflecting in the Credit Information Report without written confirmation from the respective credit institution(s).

• You can now initiate a dispute online with CIBIL for inaccuracies, employment information that reflect in your Credit Report.
• Please note, you can dispute multiple fields, employment information on your report in a single dispute by navigating each section of the report.
• You can raise personal information related dispute, by submitting the duly completed 'Dispute Form' available on https://www.cibil.com/consumer-dispute-resolution.
• Further you can also raise dispute by logging to myCIBIL
• Kindly, follow the below mentioned steps to initiate dispute/s.
  1. Login to myCIBIL
  2. Go to Credit Reports Section, navigate to dispute Center & Click on dispute an item
  3. Select the personal information section
• Also you can refer to dispute resolution process video which will address all your query & concern by clicking on https://youtu.be/hqrIJB_qwDU
• Once dispute is raised you can also track the status of your dispute, please refer to information available under section "Status of Dispute"
• The turnaround time for dispute resolution is approximately 30 days, subject to the time taken by the credit institution from the date of dispute initiation. We are not authorized to delete or modify any records reflecting in the Credit Information Report without written confirmation from the respective credit institution(s).

Forgot Password

If you have lost the password to your myCIBIL portal, getting a new one is easy. To access your report, please follow the steps below:

1. Log on to https://myscore.cibil.com/CreditView/forgotPasswordUsername.page
2. Please enter your 'user name' and then click on 'Continue'
3. You will receive an e-mail from noreply@cibil.com on your registered e-mail id with the subject line – 'Your password has been reset'
4. Enter the temporary password and set a new password. 'Confirm' your new password entered and click on 'Change Password'
5. Click on 'Continue' to proceed further.

If you are facing any other login/system related issue and need further assistance, we request you to chat with us for more information.

User Name Assistance

If you have lost the username to your myCIBIL portal, to access your report, please follow the steps below:

1. Log on to https://myscore.cibil.com/CreditView/forgotUsername.page?enterprise=CIBIL
2. Please enter your mobile number, email address and date of birth as mentioned while applying for CIBIL report then click on 'Continue'
3. You will receive an e-mail from noreply@cibil.com on your registered e-mail id and follow the instructions as communicated in the email

If you are facing any other login/system related issue and need further assistance, we request you to chat with us for more information.

We understand that you are unable to login to your mycibil account and facing "We are unable to obtain credit info" we request you to use the latest version of browsers like IE (Internet Explorer) version 9 and above, Mozilla Firefox 35 and above, Google Chrome 40 and above.

Also, we recommend to clear cache, cookies and to try again.

If you getting an error "Account already exist" it is because you have applied for a product from CIBIL earlier, we would have created a myCIBIL account. To access your account please follow the forgot password - click here

If you are unable to complete to complete your identity verification, please contact our Customer Support Helpline at 022-61404300 between 10 AM and 6 PM (Monday to Friday).

To ensure a smooth verification process, we suggest you keep your credit card and loan account details handy.

If the payment was successful and the amount is deducted from your account however you are unable to login, we suggest you follow the above mentioned steps

If you are facing any other login/system related issue and need further assistance, we request you to chat with us for more information.

Score Simulator

The Score Simulator is a tool that allows you to simulate different credit behaviours on your existing CIBIL Report, and generates simulated CIBIL Score. This feature is designed to help you understand how various credit behaviours can affect your existing CIBIL Score thus empowering you to take informed decisions.

Score Simulator allows you to choose from various simulations – such as

• Opening/ closing or new loan accounts
• Paying off outstanding amounts on Credit Cards
• Adding Late Payments to your active loan accounts
• On choosing a particular simulation, you will be asked for some additional details needed for the simulation for e.g. if you choose to add a new credit card, you will be asked for a 'Credit Limit'. On entering the additional details you will be able to check your simulated CIBIL Score.

Alert

Your CIBIL Score and Report may change whenever a credit institution accesses your report or submits new and/or updated data on the credit facilities you have availed. The new Alerts feature monitors your CIBIL Score and Report and sends you real-time email notifications that your CIBIL Score and Report has undergone a change.

You will get an email alert if there is any change that can impact/influence your CIBIL Score and Report, such as:

• New Enquiry added
• New Account added
• Change in Utilization
• Delinquency Change
• New Address added
• New Phone Number added
• Change in CIBIL Score

This feature is designed to deliver real time CIBIL Score and Report Alerts, straight into your mailbox.

Credit Summary

The credit summary feature is designed to provide a quick summary of the most important aspects of your CIBIL Report.

Score Analysis

Your new CIBIL Score comes with Score Analysis. Score Analysis provides an explanation of for specific factors impacting your CIBIL Score that can potentially be improved. As the algorithm used to calculate the new CIBIL Score takes more factors into account to calculate the score, the Score Analysis provided with the new CIBIL Score will include explanations on more factors to help you understand the score better.

Personalized Loan Offers section

Personalized Loan Offers section on your dashboard provides loan offers from lenders basis your credit eligibility. One of the factors used to calculate your credit eligibility is your CIBIL Score. The criteria for the loan offers available in this section have been revised to incorporate the new score cut-offs provided by participating members based on the new CIBIL Score.

If you need to know more about the features available under Mycibil kindly watch the video https://youtu.be/hqrIJB_qwDU

We request you to login to your online account by visiting https://myscore.cibil.com/CreditView/login.page?enterprise=CIBIL and experience the enhanced version of 'myCIBIL' portal.

To download/ print your CIBIL report, follow the steps below:

• Login to your account
• Under "Credit Report" option consumers have the option to print the report and save it as a PDF.
• Post clicking on the print option, the CIBIL report will open in the printable format.
• Consumer can do a right click on the CIBIL report and save the same in PDF format for future reference or take a print out.

If you are facing any other login/system related issue and need further assistance, we request you to chat with us for more information.

Still need help? Write to us by clicking here. Please allow ­­3 workings days to respond to your query.

We request you to login to your online account by visiting https://myscore.cibil.com/CreditView/login.page?enterprise=CIBIL and experience the enhanced version of 'myCIBIL' portal.

For your security, we request you to complete the enrolment process displayed on screen before continuing to your account.

To refresh your CIBIL report, follow the steps below:

1. Login to your account
2. Visit the Home section
3. In the 'Refresh Center' on your Home page, click on 'Refresh Now'
4. Tick 'I agree & confirm' and click on 'Continue'
5. You will get a confirmation regarding successful refresh on screen
6. Your latest CIBIL score will be displayed on your Home page and you can access your report

You can check your CIBIL Score & Report every 24 hours within your subscription period (1 month, 6 months, 12 months) in the Refresh Center.

If you are facing any other login/system related issue and need further assistance, we request you to chat with us for more information.

We request you to login to your online account by visiting https://myscore.cibil.com/CreditView/login.page and experience the enhanced version of 'myCIBIL' portal.

For your security, we request you to complete the enrolment process displayed on screen before continuing to your account.

To renew your subscription, follow the steps below:

1. Login to your account
2. Visit the Home section
3. In the 'Refresh Center' on your Home page, click on 'Buy Credit Reports'
4. Select one product out of the available options
5. Click on 'Proceed Payment'
6. Complete the payment process
7. Post successful payment, click on 'Go to Dashboard'
8. You will be directed to the Home page where your latest CIBIL score will be displayed and you can access your report

You can check your CIBIL Score & Report every 24 hours within your subscription period (1 month, 6 months, 12 months).

If you are facing any other login/system related issue and need further assistance, we request you to contact our Live chat

• TransUnion CIBIL collects credit history of consumers and maintains it in the form of Credit Information Reports, using credit information as obtained from Credit Institutions (Banks and financial institutions).
• Globally, we maintain one of the largest collections of consumer credit information and as a pioneer and trusted leader in the credit information industry we are committed to providing complete and reliable information.
• We collate credit histories into TransUnion CIBIL Credit Information Reports and provide them to credit institutions and consumers upon request. However, we are not authorized to delete or modify any records reflecting in the Credit Information Report without written confirmation from the respective credit institution/s.
• If you need further assistance, we request you to chat with us for more information.

• You can now get unlimited access to your CIBIL report by clicking on https://www.cibil.com/choose-subscription and opt for one month/ 6 month/ 12 months of subscription
• Consumer to enter personal details name, telephone no, email address and specific identifiers in the online application form which are available in the drop down list like PAN details, date of birth, gender etc.
• Thereafter complete the system generate authentication process
• If the authentication is not complete, consumer to call the contact center to complete the identity verification
• Post that consumer to make necessary payments and get unlimited access to their CIBIL Report.
• If you are facing any other login/system related issue and need further assistance, we request you to chat with us for more information.

• You can now get get your Free Annual CIBIL Score and Report onlineby clicking on https://myscore.cibil.com/CreditView/enrollShort.page?enterprise=CIBIL&offer=FACRAA
• Constumer to enter personal details name, telephone no, email address and specific identifiers in the online application form which are available in the drop down list like PAN details, date of birth, gender etc.
• Thereafter complete the system generate authentication process
• If the authentication is not complete, consumer to call the contact center to complete the identity verfiication
• Post sucessful IV verfication, consumer to login and access the FACR report online
• If you are facing any other login/system related issue and need further assistance, we request you to chat with us for more information.

• CIBIL report consists of confidential information about your loan/ credit details, in view of the same consumers applying for CIBIL report online to follow the below mentioned process
• Consumer to enter personal details name, telephone no, email address and specific identifiers in the online application form which are available in the drop down list like PAN details, date of birth, gender etc.
• Thereafter complete the system generate authentication process
• If the authentication is not complete, consumer to call the contact center +91-22-6140 4300 from 10am to 6pm to complete the identity verfiication.
• To ensure a smooth verification process, we suggest you keep your credit card and loan account details handy.
• If you are facing any other login/system related issue and need further assistance, we request you to chat with us for more information.

• 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). 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.
• Your CIBIL Score and Report is more than just a credit score and report - there's so much more you can do with your Score.
• Click the below video to know more.
• If you need further assistance in understanding your CIBIL Report, we request you to chat with us for more information.
• Watch this video to know more about the CIBIL score and the factors that can impact your CIBIL Score - https://www.youtube.com/watch?v=Eyl3vDROmuY

• The information available on your CIBIL Report is as reported to CIBIL by Credit Institutions (CIs). The onus lies with the CIs to report the facts accurately to CIBIL. CIBIL's responsibility lies in accurately updating and accumulating this information across CI's
• Credit Institutions submit data every 30-45 days to CIBIL and if you happen to purchase your CIBIL Score and Report within 45 days of closure / pay-off of your accounts it may not be updated in CIBIL records.
• If you find any discrepancy with regards to the payment history and the same is not reported in your CIBIL report, you can raise a dispute to know more please refer to section "how to raise a dispute"

• The CIBIL Score plays a critical role in the loan application process. After an applicant fills out the application form and hands it over to the lender, the lender first checks the CIBIL Score and Report of the applicant.
• If the CIBIL Score is low, the lender may not even consider the application further and reject it at that point. If the CIBIL Score is high, the lender will look into the application and consider other details to determine if the applicant is credit-worthy.
• The CIBIL Score works as a first impression for the lender, the higher the score, the better are your chances of the loan being reviewed and approved. The decision to lend is solely dependent on the lender and CIBIL does not in any manner decide if the loan/credit card should be sanctioned or not.
• Watch this video to know more about the CIBIL score and the factors that can impact your CIBIL Score - https://www.youtube.com/watch?v=Eyl3vDROmuY

• The information available on your CIBIL Report is as reported to CIBIL by Credit Institutions (CIs). The onus lies with the CIs to report the facts accurately to CIBIL. CIBIL's responsibility lies in accurately updating and accumulating this information across CI's
• If you have got your CIBIL report from the credit institution and need clarify on the accounts reported on your CIBIL, we request you to chat with us for more information.
• To know the account details and credit history in your CIBIL report, consumers can now avail Free Annual CIBIL Score and Report online by clicking on https://myscore.cibil.com/CreditView/enrollShort.page?enterprise=CIBIL&offer=FACRAA

• Factors like credit utilization, payment history (instances of late payments and magnitude of overdue payments)
• Depth of credit (i.e. the duration of your existing credit history as calculated from the date when your oldest credit account was opened)
• Long term trend of outstanding balances
• Transaction history on credit cards
• Ratio of actual repayment amount to total amount due
• Number of new accounts opened and number of accounts closed
• The absolute values as well as qualitative characteristics of these factors in your credit report, can either have a positive or negative impact on your CIBIL Score.
• Watch this video to know more about the CIBIL score and the factors that can impact your CIBIL Score - https://www.youtube.com/watch?v=Eyl3vDROmuY
• Visit our blogs to know more about CIBIL score and Credit Myths https://www.cibil.com/blog/main
• If you find any information to be incomplete or inaccurate in your Credit Information Report, we can help you resolve the same. Kindly refer to section how to raise dispute
• If you need further assistance in understanding your CIBIL Report, we request you to contact our live chat

• You can improve your CIBIL Score by maintaining a good credit history, which is essential for loan approvals by lenders. Follow these 6 steps which will help you better your score:
  1. Always pay your dues on time: Late payments are viewed negatively by lenders.
  2. Keep your balances low: Always be prudent to not use too much credit, control your utilization.
  3. Maintain a healthy credit mix: It is better to have a healthy mix of secured (such as home loan, auto loan) and unsecured loans (such as personal loan, credit cards). Too many unsecured loans may be viewed negatively.
  4. Apply for new credit in moderation: You don't want to reflect that you are continuously seeking excessive credit; apply for new credit cautiously.
  5. Monitor you're co-signed, guaranteed and joint accounts monthly: In co-signed, guaranteed or jointly held accounts, you are held equally liable for missed payments. Your joint holder's (or the guaranteed individual) negligence could affect your ability to access credit when you need it.
  6. Review you credit history frequently throughout the year: Monitor your CIBIL Score and Report regularly to avoid unpleasant surprises in the form of a rejected loan application.
• Visit our blogs to know more about CIBIL score and Credit Myths - https://www.cibil.com/blog/main
• If you need further assistance in understanding your CIBIL Report, we request you to contact our live chat

• Factors like credit utilization, payment history (instances of late payments and magnitude of overdue payments)
• Depth of credit (i.e. the duration of your existing credit history as calculated from the date when your oldest credit account was opened)
• Long term trend of outstanding balances
• Transaction history on credit cards
• Ratio of actual repayment amount to total amount due
• Number of new accounts opened and number of accounts closed
• The absolute values as well as qualitative characteristics of these factors in your credit report, can either have a positive or negative impact on your CIBIL Score.
• Watch this video to know more about the CIBIL score and the factors that can impact your CIBIL Score - https://www.youtube.com/watch?v=Eyl3vDROmuY
• If you need further assistance in understanding your CIBIL Report, we request you to contact our live chat

A Score of "NA" or "NH" is not a bad thing at all. These mean one of the below:

• You do not have a credit history or you do not have enough of a credit history to be scored, i.e. you are new to the credit system
• You do not have any credit activity in the last couple of years
• You have all add-on credit cards and have no credit exposure
• It is important to note that while these Scores are not viewed negatively by a lender, some lenders' credit policy prevents them from providing loans to an applicant with Scores of "NA" or "NH" (applicants with no credit track record). Hence, you may have better chances applying for a loan elsewhere.

Visit our website to know about CIBIL score - https://www.cibil.com/faq/consumer-awareness

If you need further assistance in understanding your CIBIL Report, we request you to contact our live chat

The new CIBIL Score ranges between 300 and 900, the same range as the old CIBIL Score. However, as the scoring algorithm which generates the CIBIL Score has been revised, the numeric value generated for the new CIBIL Score may be different from the numeric value generated for the old CIBIL Score.

New CIBIL Score

• Based on 36 months of credit history
• Scores consumers with less than 6 months of credit history as well

Old CIBIL Score

• Based on only 24 months of credit history
• Consumers had to build six months of credit history before they could get a numeric score

If you need further assistance in understanding your CIBIL Report, we request you to contact our live chat

• CIBIL Rank is a numerical summary of your CCR and Company Credit Report (CCR) is the record of your company's credit history. Both are an indication of your loan eligibility.
• We are glad to inform you that companies can now purchase their own CIBIL Company Credit Report. In order to avail a copy of your CIBIL CCIR, kindly visit the following link: https://cibilrank.cibil.com/?_ga=2.197661161.775844428.1612177105-2059973475.1612171729

If you have had an unsuccessful authentication online, the time required to process your request is 10 business days from the date of receipt of the KYC documents at TransUnion CIBIL. This is subject to receipt of complete and valid documentation. If there will be any additional requirements to the documents, it will be communicated to you through email.

To know the status of your CIBIL Rank & Company Credit Report we request you to provide us the below details as filled while applying for the report:-

• Company Name
• Applicant Name
• Company ID Value {Company PAN/Corporate Identification Number(CIN)/Company registration number (CRN)/ Tax Identification Number (TIN)}
• Email ID
• CIBIL Registration number {The Registration number is mentioned in the auto acknowledgement received post making the payment}

If you have not uploaded your documents, kindly click on the following link to upload the KYC documents https://kycupload.cibil.com/

To know the list of KYC documents to be submitted click here

For Public / Private Limited Companies all the documents need to be attested by Company Secretary
For Partnerships all the documents need to be self-attested by the partner submitting the request for Company Credit Report
For Proprietorships All the documents need to be attested by the Proprietor.

Had an unsuccessful authentication process while trying to purchase your CIBIL Rank and Company Credit Report (CCR) online? Are you planning to send a Demand Draft (DD) along with the physical form while purchasing your Company Credit Report (CCR)? To simplify the entire process, make sure you go through the checklist of document here: https://www.cibil.com/kyc-document-checklist

The time required to process your request is 10 business days from the date of receipt of the KYC documents at TransUnion CIBIL. This is subject to receipt of complete and valid documentation. If there will be any additional requirements to the documents, it will be communicated to you through email.

Please upload the acceptable documents as mentioned below by accessing the link: https://www.cibil.com/uploadkycdocuments/

CIBIL Rank is a numerical summary of your CCR and Company Credit Report (CCR) is the record of your company's credit history. Both are an indication of your loan eligibility.

We are glad to inform you that companies can now purchase their own CIBIL Company Credit Report. In order to avail a copy of your CIBIL CCIR, kindly visit the following link: https://cibilrank.cibil.com/?_ga=2.197661161.775844428.1612177105-2059973475.1612171729

Benefits of the portal

• Option to download PDF copy of report from Login Portal
• Repurchase the report for the same company through Login Portal without KYC documents
• Add multiple companies to the same login id (if you own more than one company)
• Share the report to secondary user

To avail your Company Credit Report, you can send us the request application by following below mentioned steps:

1. Download the Company Credit Report request form from the link - https://www.cibil.com/resources/docs/commercial-request-form.pdf
2. Demand Draft for an amount of Rs. 3000/- in favor of 'TransUnion CIBIL' and payable in Mumbai.
3. Following list of documents along with the application form and Demand draft. https://www.cibil.com/kyc-document-checklist
4. Mail Company Credit Report request form, Demand draft and the KYC documents to the below address:
   TransUnion CIBIL Limited,
   (Formerly: Credit Information Bureau (India) Limited)
   One World Centre, Tower 2A, 19th Floor,
   Senapati Bapat Marg, Elphinstone Road,
   Mumbai - 400 013.

Please note, in order to ensure the privacy of you and your company's information, we would require the KYC documents for verification.

Further, The time required to process your request is 10 business days from the date of receipt of the KYC documents at TransUnion CIBIL. This is subject to complete and valid documentation.

For requesting certain account details reflecting in your CIBIL Company Credit Report we urge you to provide following details:

1. Report Order number: It is printed on top right hand side of your CCR. In case you are referring to a CCR which is obtained by your credit institution, we request you to kindly check with the relevant Credit Institution and inform us.
2. Company's details: Kindly provide us with your company details such as Full Name of the company, Company's Address, Contact number and PAN.
3. Dispute Account identifiers: Kindly share the information on disputed account i.e. Account number, Sanction Amount, Outstanding Balance, Loan Type, Sanction Date etc.
4. The information you seek is confidential and sensitive. In order to ensure that this information is provided only to its legitimate and rightful owners, we request you to kindly share the list of documents with us. Please refer the document Checklist.

We wish to inform you that you can even purchase your own CIBIL Commercial Credit Report along with CIBIL Rank. This report will have details of all your credit facilities along with the details as reported by the credit institutions. Please visit: https://www.cibil.com/company-credit-report

We understand your concern and are eager to assist you.

You are requested to fill and submit an Online dispute resolution form on: https://www.cibil.com/online/file-company-dispute.do for any inaccuracy of data reflecting in your CIBIL report.

We shall take up your dispute with the relevant bank/ financial institution and follow up till it is resolved. Please note that once the dispute has been submitted, dispute resolution may take up to 30 days from the date of submission subject to the time taken by the bank/ financial institution who had reported your information.

Please note that once the dispute has been submitted, dispute resolution may take up to 30 days from the date of submission subject to the time taken by the bank/ financial institution who had reported your information. With reference to your concern, would request you to provide following details to assist you further:

• Company name
• Email ID
• Dispute SR: (The service request number is mentioned in the subject line of the email received from noreply@transunion.com, please check your mailbox (including SPAM and Junk folders) for the same)
• Company PAN
• Contact number
• Address

TU CIBIL collects and maintains credit history of consumers obtained from Credit Institutions. This information is collated into CIBIL Credit Information Report and provided to CIBIL's members & consumers at their request. TU CIBIL is not authorized to make any changes in credit information without confirmation from them.

CIBIL Rank is a risk indicator for Micro, Small and Medium Enterprises (MSMEs) having aggregated credit exposure in the range of INR 10 lakhs - 50 crores. CIBIL Rank distinguishes MSMEs on a scale of 1 to 10. CIBIL Rank 1 being the best grade (having the least probability of default). To know more: https://www.cibil.com/faq/company-credit-report

The major parameters that are used to calculate the CIBIL Rank are past re-payment behavior and credit utilization.

You can improve your CIBIL Rank by maintaining a good credit history. This will be viewed favorably by lenders and it can be done with 2 simple rules:

1. CIBIL Rank can improve by maintaining regular payment status.
2. A No NPA (Non-performing asset) / No Delinquent borrower will get a better CIBIL Rank than one with a delinquent or NPA history.

Also you can visit the below links to know more: CIBIL Rank │ Ultimate Guide to Business Loan: https://www.youtube.com/watch?v=B6Kljmf6c5I

10 Steps To Streamline Your Business Finance: https://www.youtube.com/watch?v=zO3CfCBpGks

The CIBIL Rank is derived from your Company Credit Report (CCR) which summarizes your CCR in the form of one number. It is provided from a scale of 10 to 1, where 1 is the best rank that can be achieved. The rank is now available for companies with current credit exposure of up to Rs. 50 crores. To know more: https://www.cibil.com/faq/company-credit-report

With reference to your concern regarding low rank, would request you to provide following details to assist you further:

1. Report Order number: It is printed on top right hand side of your CCR. In case you are referring to a CCR which is obtained by your credit institution, we request you to kindly check with the relevant Credit Institution and inform us.
2. Company's details: Kindly provide us with your company details such as Full Name of the company, Company's Address, Phone numbers and PAN.
3. Dispute Rank i.e. current company rank

There can be three possible reasons for the same:

• The aggregated exposure of the entity is not in the range of MSME exposure definition
• The entity belongs to any of the following legal constitutions – Self Help Group, Association of Persons, Business entities created by statute
• There is no live credit facility in the past 24 months

In order to access your commercial report online kindly complete the first time registration process.

To proceed with the same, login to the unique link which is sent on your email id. Please check your mailbox (including SPAM and Junk folders) from cibilreport@cibil.com. This link is unique and specific to your company profile only.

If you are still unable to locate the said email, provide us the below details as filled while applying for the report. We shall arrange to send a fresh link:

• Company Name
• Applicant Name
• Company ID Value {Company PAN/Corporate Identification Number(CIN)/Company registration number (CRN)/ Tax Identification Number (TIN)}
• Email ID
• CIBIL Registration number {The Registration number is mentioned in the auto acknowledgement received post making the payment}

Please follow the below steps to reset the password.

1. Visit to www.cibil.com
2. Go to 'Credit report products' section
3. Select 'CIBIL Rank and Company report'
4. Click on 'Log in now'
5. Enter your email ID registered with CIBIL
6. Click on 'Next'
7. Click on 'Forgot password'
8. Click on 'Request reset link'
9. You will receive an e-mail from 'cibilreport@cibil.com' on your registered e-mail id with the subject line – 'Your password Reset Request'
10. Click on the 'Reset password' to proceed further.

Password reset link in the email will expire within an hour, access the link within 1 hour.

Request you to use a recent version of Google Chrome to login to the online portal.

If the issue still persists, please provide us the below details as filled while applying for the report along with error screenshot

• Company Name
• Applicant Name
• Company ID Value {Company PAN/Corporate Identification Number(CIN)/Company registration number (CRN)/ Tax Identification Number (TIN)}
• Email ID
• CIBIL Registration number {The Registration number is mentioned in the auto acknowledgement received post making the payment}

To avail your Company Credit Report, you can send us the request application by following below mentioned steps:

1. Download the Company Credit Report request form from the link. https://www.cibil.com/resources/docs/commercial-request-form.pdf
2. Demand Draft for an amount of Rs. 3000/- in favor of 'TransUnion CIBIL' and payable in Mumbai.
3. Following list of documents along with the application form and Demand draft. https://www.cibil.com/kyc-document-checklist
4. Mail Company Credit Report request form, Demand draft and the KYC documents to the below address:
   TransUnion CIBIL Limited
   (Formerly: Credit Information Bureau (India) Limited)
   One World Centre, Tower 2A, 19th Floor,
   Senapati Bapat Marg, Elphinstone Road,
   Mumbai - 400 013.

Please note, in order to ensure the privacy of you and your company's information, we would require the KYC documents for verification.

To know the list of KYC documents to be submitted click here

Further, the time required to process your Company Credit Report (CCR) is 10 business days from the date of receipt of your request at CIBIL. This is subject to complete and valid documentation.