Accessing Information from CIBIL
CIBIL Members, which include leading Banks and Financial Institutions, can access information from CIBIL on the principle of reciprocity i.e. only those Members who have provided all their data to CIBIL are permitted to access CIBIL Credit Reports. Members can do so only to take valid credit decisions. Disclosure to any other person or entity is prohibited. Individuals can also request access to their Credit Reports directly from CIBIL. Please refer to the section on 'Access Your CIBIL Credit Report'.
CIBIL Credit Reports
CIBIL Credit Report is a factual record of your credit payment history compiled from information received from different credit grantors. Credit grantors are leading Banks, Financial Institutions, State Financial Corporations, Non-Banking Financial Companies, Housing Finance Companies, Credit Card Companies, who are Members of CIBIL. The purpose is to help credit grantors make informed lending decisions - quickly and objectively, and enable faster processing of your credit applications to provide you speedier access to credit at better terms.
Rectifying Information in your CIBIL Credit Report
You should follow the below process for rectification of credit information in your CIBIL Credit Report. Dispute Resolution