Enquiries are often referred to as loan and credit card applications. Every time an ‘individual’ or ‘business or MSME’ 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 and businesses/MSMEs 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.
Discover how to manage your credit health effectively.
Lenders also 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